Honesdale, PA · Cert 7526 · Honat Bcorp Inc.
National charter · OCC · 15 branches
Q2 2026
Market Position · Scranton--Wilkes-Barre, PA · 2026 SOD (annual) · 1.6% share · #13 of 21 inst. · $0.3B of $16.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.38% | 1.62% | 1.84% | 1.46% | 1.54% | +16 bps | |
| Return on Equity | 10.89% | 12.67% | 14.19% | 11.12% | 11.79% | +90 bps | |
| Net Interest Margin | 4.00% | 4.19% | 4.18% | 4.25% | 4.23% | +23 bps | |
| Efficiency Ratio | 57.05% | 52.97% | 53.00% | 52.82% | 51.64% | -541 bps | |
| Non-Interest Burden | 2.00% | 1.95% | 1.93% | 1.96% | 1.89% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.60% | 6.94% | 8.00% | 7.84% | 9.02% | -58 bps | |
| Loan Growth (YoY) | 14.81% | 15.07% | 13.53% | 12.99% | 10.03% | -477 bps | |
| Deposit Growth (YoY) | 9.95% | 6.88% | 7.48% | 7.39% | 8.04% | -191 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.35% | 0.28% | 0.29% | 0.31% | 0.24% | -10 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.07% | 0.15% | 0.01% | -3 bps | |
| Allowance / Loans | 1.63% | 1.66% | 1.61% | 1.70% | 1.82% | +19 bps | |
| Allowance Coverage of NPLs | 4.7x | 5.9x | 5.5x | 5.6x | 7.5x | +2.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.64% | 13.68% | 13.64% | 13.85% | 13.74% | +10 bps | |
| Total Risk-Based Capital | 13.64% | 13.68% | 13.64% | 13.85% | 13.74% | +10 bps | |
| Equity / Assets | 12.70% | 12.80% | 13.19% | 13.01% | 13.15% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.28% | 90.73% | 92.43% | 91.94% | 92.97% | +168 bps | |
| Liquid Assets / Assets | 1.10% | 2.82% | 3.09% | 3.43% | 2.02% | +92 bps | |
| CRE / Total Capital | n/a | 260% | 259% | 259% | n/a | n/a | |