HONOR BANK

HONOR, MI | Small | Est. June 15, 1917, midnight | FDIC #8165 | RSSD #815147 | FDIC
Latest Report: 2025-12-31

HONOR BANK is asn small FDIC-insured commercial bank headquartered in HONOR, MI, established in June 15, 1917, midnight. As of 2025-12-31, the bank reported total assets of $417M and total deposits of $374M. Profitability stands at 1.04% ROA and 10.97% ROE, with a net interest margin of 4.43%. The bank's CET1 capital ratio is 11.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 1.41%. FDIC Certificate #8165.

Assets

$417M

Deposits

$374M

Loans

$335M

Equity

$40M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 10.97%
Net Interest Margin (NIM) 4.43%
Yield on Assets 5.96%
Cost of Funds 1.57%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.41%
NPA Ratio 0.15%
ACL / Loans 1.55%

Capital & Liquidity

CET1 Ratio 11.90%
Tier 1 Capital 11.90%
Total Capital Ratio 13.15%
Leverage Ratio 9.31%
Loan-to-Deposit 89.46%

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