The Honesdale National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Honesdale National Bank is an FDIC-insured commercial bank headquartered in Honesdale, PA, established in 1836 (FDIC certificate 7526), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.17B, up 9.0% from Q2 2025, the 40th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.74% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7526
- Headquarters
- Honesdale, PA
- Established
- 1836
- Total assets, Q2 2026
- $1.17B
- Assets vs Q2 2025
- +9.0%
- Tier 1 leverage ratio, Q2 2026
- 13.74%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 031308535
- Latest call report
- Q2 2026, FFIEC 051 · The Honesdale National Bank call report
- Holding company
- HONAT BANCORP, INC.
- Asset rank in state
- 40th of 109 in Pennsylvania
The Honesdale National Bank earns an unusually wide margin on its lending. Its balance sheet stood at $1.2 billion at June 30, 2026, up 9.0% from a year earlier; it is based in Honesdale, Pennsylvania. It keeps 4.53 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also funds 13.74% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.52%).
Net income for the quarter rose 21% from a year earlier, to $4.5 million. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.24% of loans, down from 0.35% a year earlier.
As of June 30, 2026, The Honesdale National Bank reported a return on assets of 1.53%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 1.73%. The figures come from its call report filed with the FFIEC.
The Honesdale National Bank ranks as the 40th largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.4% to $1.17B, loans rose 1.9% and deposits rose 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 38.1% of total loans, followed by owner-occupied commercial real estate loans at 19.5%. Its 15 offices in the FDIC Summary of Deposits are in 13 cities in PA; its Honesdale 2 offices book 36% of its branch deposits. On its Q2 2026 call report, The Honesdale National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 733 Main St, Honesdale, PA 18431
- County
- Wayne
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 26, 1836
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 167
- Domestic deposits
- $993.3M
- Allowance for credit losses
- $16.8M
- Net charge-offs (YTD)
- $370K
- Average total assets
- $1.17B
- Average total loans
- $912.9M
- Average interest-bearing deposits
- $708.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7526
- Fed RSSD
- 465618
- Website
- www.hnbbank.bank →
- Parent Holding Company
- HONAT BANCORP, INC. (RSSD 1144107)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Honesdale National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Honesdale National Bank's total assets ran between $961.5M (Q1 2024) and $1.17B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.17B total assets against $1.07B; $1.02B total liabilities against $935.9M.
$906.7M net loans and leases against $825.6M; $993.3M total deposits against $919.4M.
$170.1M securities against $166.2M; $33.3M cash and balances due against $23.6M.
$16.9M total interest income against $15.0M; $4.5M total interest expense against $4.2M.
$12.3M net interest income against $10.8M.
$1.7M total noninterest income against $1.8M; $7.3M total noninterest expense against $7.1M.
$1.4M provision for credit losses against $900K.
$4.5M net income against $3.7M.
1.53% return on assets against 1.37%; 4.53% net interest margin against 4.31%.
13.74% tier 1 leverage ratio against 13.64%.
Inside the full The Honesdale National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Honesdale National Bank rankings
Its closest position to the top of a national ranking is 908 of 4,196, for total assets; its furthest is 722 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.25% (Q1 2025) to 1.82% (Q4 2025) and its net interest margin ran from 3.94% (Q3 2024) to 4.55% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.74% | 1.53% | 0.24% | 1.73% | 4.53% |
| Q1 2026 | 13.85% | 1.46% | 0.31% | 2.10% | 4.55% |
| Q4 2025 | 13.64% | 1.82% | 0.29% | 1.58% | 4.48% |
| Q3 2025 | 13.68% | 1.60% | 0.28% | 1.55% | 4.52% |
| Q2 2025 | 13.64% | 1.37% | 0.35% | 1.93% | 4.31% |
| Q1 2025 | 13.69% | 1.25% | 0.30% | 1.63% | 4.02% |
| Q4 2024 | 13.51% | 1.37% | 0.23% | 1.24% | 3.96% |
| Q3 2024 | 13.75% | 1.55% | 0.21% | 1.11% | 3.94% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Honesdale National Bank | Honesdale , PA | 18431 | $279.5M |
| Hamlin Branch | Hamlin , PA | 18427 | $116.2M |
| Forest City Branch | Forest City , PA | 18421 | $104.5M |
| Montdale Branch | Scott Township , PA | 18447 | $104.5M |
| Route 6 Plaza Branch | Honesdale , PA | 18431 | $75.9M |
| Lake Wallenpaupack Branch | Hawley , PA | 18428 | $59.9M |
| Kingston Branch | Kingston , PA | 18704 | $55.5M |
| Eynon Branch | Eynon , PA | 18403 | $55.2M |
| Clarks Summit Branch | Clarks Summit , PA | 18411 | $42.2M |
| Hallstead Branch | Hallstead , PA | 18822 | $41.3M |
| Lackawaxen Branch | Lackawaxen , PA | 18435 | $27.1M |
| Moscow Branch | Moscow , PA | 18444 | $14.6M |
| Lakewood Branch | Lakewood , PA | 18439 | $13.2M |
| Mortgage Center Branch | Wilkes-Barre , PA | 18701 | $3.7M |
| Moscow Branch | Moscow , PA | 18444 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- July 1, 1992, OCC: Formal Agreement: Honesdale National Bank
- Period: Most recent institution action July 1, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in PA, rank 57 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 684 applications, 597 loans originated, $130.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $3.2M approved, $803K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Honesdale National Bank
What are The Honesdale National Bank's total assets?
As of the Q2 2026 filing, The Honesdale National Bank reported total assets of $1.17 billion in its FFIEC call report.
Where is The Honesdale National Bank headquartered?
It is headquartered in Honesdale, PA, United States.
When was The Honesdale National Bank founded?
It was established in 1836, per the FDIC institution directory.
Is The Honesdale National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7526). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Honesdale National Bank?
The Honesdale National Bank's primary federal regulator is the OCC.
How many branches does The Honesdale National Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Honesdale National Bank's Texas Ratio?
Its Texas Ratio is 1.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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