Honor Bank
Honor, MI · Cert 8165 · Peer group: banks under $1B in assets (n=570-617) · Honor Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$442.7MAssets
$359.4MLoans
$384.1MDeposits
$41.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 78% of banks under $1B in assets (rank 138 of 617).
- Widest gap: tier 1 capital ratio trails 73% of banks under $1B in assets (rank 450 of 617).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.29%
Rank 206 of 617
Net Interest Margin
3.96%
Rank 180 of 617
Efficiency Ratio
62.03%
Rank 212 of 617
Equity / Assets
9.36%
Rank 424 of 617
Non-interest income vs. expense
Unfavorable gap of $9.5M · efficiency ratio beats 66% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.60% | 1.01% | 1.45% | Beats 67% | 206 / 617 | |
| Return on Equity | 13.75% | 5.30% | 9.43% | 13.30% | Beats 78% | 138 / 617 | |
| Net Interest Margin | 3.96% | 3.04% | 3.54% | 4.05% | Beats 71% | 180 / 617 | |
| Efficiency Ratio | 62.03% | 58.03% | 67.76% | 79.08% | Beats 66% | 212 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.09% | 0.47% | 1.27% | Beats 58% | 241 / 570 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 46% | 311 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 11.35% | 11.18% | 13.83% | 18.55% | Beats 27% | 450 / 617 | |
| Total Risk-Based Capital Ratio | 12.60% | 11.56% | 14.39% | 19.39% | Beats 35% | 401 / 617 | |
| Equity / Assets | 9.36% | 9.03% | 10.55% | 13.63% | Beats 31% | 424 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 93.58% | 64.77% | 79.70% | 93.06% | 76th pctl | 139 / 582 | |
| Loans / Assets | 81.18% | 51.70% | 67.18% | 77.51% | 84th pctl | 98 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |