The Honesdale National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Honesdale National Bank of Honesdale, PA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.53% | 1.44% | +0.09% | 69th above |
| ROAE | 11.79% | 12.51% | -0.72% | 47th below |
| Net Interest Margin | 4.53% | 3.84% | +0.69% | 88th top |
| Efficiency Ratio | 50.87% | 58.88% | -8.01% | 73rd above |
| PPNR / Avg Assets | 2.33% | 1.78% | +0.55% | 83rd top |
| Yield on Earning Assets | 6.17% | 5.71% | +0.46% | 81st top |
| Cost of Funds | 1.83% | 2.03% | -0.20% | 60th above |
| Net Interest Spread | 3.60% | 3.18% | +0.42% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.99% | 0.96% | +0.03% | 32nd below |
| NPA / Total Assets | 0.84% | 0.75% | +0.09% | 29th below |
| NCO / Avg Loans | 0.01% | 0.31% | -0.30% | 60th above |
| ACL / Total Loans | 1.82% | 1.25% | +0.57% | 94th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 184.39% | 699.41% | -515.02% | 52nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.75% | 7.16% | -1.41% | 43rd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 783.78% | 814.56% | -30.78% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.74% | 11.59% | +2.15% | 89th top |
| Equity / Assets | 13.15% | 11.33% | +1.82% | 85th top |
| TCE / Tangible Assets | 13.15% | 10.65% | +2.50% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.97% | 86.34% | +6.63% | 35th below |
| Core Deposit Ratio | 89.93% | 85.55% | +4.38% | 58th above |
| Uninsured Deposit Ratio | 24.36% | 32.72% | -8.36% | 73rd above |
| Wholesale Funding Ratio | 0.51% | 5.46% | -4.95% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.02% | 10.46% | -1.44% | 72nd above |
| Loan Growth (Y/Y) | 10.03% | 7.99% | +2.04% | 73rd above |
| Deposit Growth (Y/Y) | 8.04% | 7.98% | +0.06% | 67th above |
See The Honesdale National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Honesdale National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Honesdale National Bank profile, how to read a UBPR, or how this data updates.