Honesdale National Bank, The
Honesdale, PA · Cert 7526 · Peer group: banks $1B-$10B in assets (n=322-328) · Honat Bcorp Inc.
National charter · OCC · 15 branches
Q2 2026
$1.2BAssets
$923.4MLoans
$993.3MDeposits
$153.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 87% of banks $1B-$10B in assets (rank 44 of 328).
- Widest gap: net charge-offs / loans trails 56% of banks $1B-$10B in assets (rank 182 of 322).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.47%
Rank 90 of 328
Net Interest Margin
4.18%
Rank 44 of 328
Efficiency Ratio
52.23%
Rank 91 of 328
Equity / Assets
13.15%
Rank 51 of 328
Non-interest income vs. expense
Unfavorable gap of $22.2M · efficiency ratio beats 73% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.91% | 1.22% | 1.52% | Beats 73% | 90 / 328 | |
| Return on Equity | 11.21% | 8.43% | 11.45% | 14.43% | Beats 47% | 174 / 328 | |
| Net Interest Margin | 4.18% | 3.03% | 3.45% | 3.83% | Beats 87% | 44 / 328 | |
| Efficiency Ratio | 52.23% | 51.61% | 59.56% | 67.53% | Beats 73% | 91 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.24% | 0.51% | 1.03% | Beats 75% | 83 / 322 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.03% | 0.10% | Beats 44% | 182 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 13.74% | 11.75% | 13.15% | 15.47% | Beats 58% | 137 / 328 | |
| Total Risk-Based Capital Ratio | 13.74% | 12.63% | 14.15% | 16.46% | Beats 45% | 180 / 328 | |
| Equity / Assets | 13.15% | 9.15% | 10.33% | 12.01% | Beats 84% | 51 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 92.97% | 76.63% | 87.92% | 95.36% | 69th pctl | 101 / 323 | |
| Loans / Assets | 79.01% | 65.18% | 74.15% | 79.98% | 70th pctl | 97 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |