The Honesdale National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 23.78 percentage points higher than in Q1 2026, at 184.39%. Within Pennsylvania, The Honesdale National Bank is 19th of 109 on return on assets, 1.53% as of Q2 2026, above the middle of the field. The Honesdale National Bank reported 1.53% on return on assets for Q2 2026, 0.26 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.74% |
| Equity capital to assets | 13.15% |
| Tangible equity to tangible assets | 13.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.99% |
| Non-performing assets ratio | 0.84% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 5.75% |
| Allowance for credit losses to loans | 1.82% |
| Reserve coverage of non-performing loans | 184.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.53% |
| Return on equity | 11.79% |
| Net interest margin | 4.53% |
| Efficiency ratio | 50.87% |
| Yield on earning assets | 6.17% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.97% |
| Core deposits to total deposits | 89.93% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.99% |
| Securities to assets | 14.55% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.55% | 1.36% | 3.88% | 0.33% | -0.00% |
| Q4 2023 | 13.56% | 1.28% | 3.87% | 0.30% | -0.00% |
| Q1 2024 | 14.02% | 1.21% | 3.76% | 0.17% | 0.03% |
| Q2 2024 | 14.06% | 1.05% | 3.88% | 0.24% | 0.02% |
| Q3 2024 | 13.75% | 1.55% | 3.94% | 0.22% | 0.04% |
| Q4 2024 | 13.51% | 1.37% | 3.96% | 0.19% | -0.02% |
| Q1 2025 | 13.69% | 1.25% | 4.02% | 0.30% | 0.02% |
| Q2 2025 | 13.64% | 1.37% | 4.31% | 0.33% | 0.04% |
| Q3 2025 | 13.68% | 1.60% | 4.52% | 0.36% | 0.01% |
| Q4 2025 | 13.64% | 1.82% | 4.48% | 1.13% | 0.07% |
| Q1 2026 | 13.85% | 1.46% | 4.55% | 1.06% | 0.15% |
| Q2 2026 | 13.74% | 1.53% | 4.53% | 0.99% | 0.01% |
The Honesdale National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Honesdale National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)