The Honesdale National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 4.43 percentage points in Q2 2026, from 135.76% to 131.34%. It was the largest change from Q1 2026 among the key lines here. The Honesdale National Bank ranks 37th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 92.97% (Q2 2026). The Honesdale National Bank reported 92.97% on loan-to-deposit ratio for Q2 2026, 4.77 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $923.4M |
| Net loans and leases | $906.7M |
| Loans held for sale | $197K |
| Loans to total assets | 79.01% |
| Loan-to-deposit ratio | 92.97% |
| Net loans to equity capital | 5.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.23% |
| Multifamily (5+ residential) | 6.65% |
| Commercial and industrial | 11.98% |
| Consumer | 2.93% |
| Credit cards | 0.00% |
| Farm | 0.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.28% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 131.34% |
| Construction concentration (Tier 1 capital + allowance) | 18.87% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $15.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $695.9M | $835.2M | 34.62% | 13.07% | 4.02% |
| Q4 2023 | $696.7M | $825.9M | 33.96% | 12.61% | 3.95% |
| Q1 2024 | $703.8M | $823.8M | 34.39% | 12.72% | 3.96% |
| Q2 2024 | $731.0M | $836.2M | 34.93% | 12.84% | 3.88% |
| Q3 2024 | $756.7M | $898.0M | 34.56% | 12.25% | 3.77% |
| Q4 2024 | $782.4M | $894.2M | 33.77% | 13.32% | 3.49% |
| Q1 2025 | $801.9M | $917.8M | 33.11% | 13.38% | 3.37% |
| Q2 2025 | $839.2M | $919.4M | 34.13% | 12.17% | 3.29% |
| Q3 2025 | $870.7M | $959.8M | 33.77% | 11.98% | 3.23% |
| Q4 2025 | $888.3M | $961.0M | 34.12% | 11.98% | 3.19% |
| Q1 2026 | $906.1M | $985.6M | 34.66% | 12.19% | 3.07% |
| Q2 2026 | $923.4M | $993.3M | 34.23% | 11.98% | 2.93% |
The Honesdale National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Honesdale National Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Honesdale National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7526) · FFIEC NIC profile (RSSD 465618)