Honor Bank
Honor, MI · Cert 8165 · Peer group: banks under $1B in assets (n=581-629) · 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 141 of 629).
- Widest gap: tier 1 capital ratio trails 73% of banks under $1B in assets (rank 462 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.29%
Rank 209 of 629
Net Interest Margin
3.96%
Rank 183 of 629
Efficiency Ratio
62.03%
Rank 212 of 629
Equity / Assets
9.36%
Rank 442 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.60% | 1.01% | 1.45% | Beats 67% | 209 / 629 | | |
| Return on Equity | 13.75% | 5.38% | 9.30% | 13.28% | Beats 78% | 141 / 629 | | |
| Net Interest Margin | 3.96% | 3.03% | 3.54% | 4.05% | Beats 71% | 183 / 629 | | |
| Efficiency Ratio | 62.03% | 58.35% | 67.79% | 79.08% | Beats 66% | 212 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.09% | 0.46% | 1.20% | Beats 57% | 253 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 48% | 305 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.35% | 11.24% | 13.84% | 18.77% | Beats 27% | 462 / 629 | | |
| Total Risk-Based Capital Ratio | 12.60% | 11.58% | 14.43% | 19.66% | Beats 34% | 413 / 629 | | |
| Equity / Assets | 9.36% | 9.09% | 10.65% | 13.80% | Beats 30% | 442 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.58% | 67.24% | 80.90% | 93.48% | 75th pctl | 147 / 594 | | |
| Loans / Assets | 81.18% | 53.31% | 67.71% | 78.15% | 84th pctl | 103 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |