Honor Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Honor Bank of Honor, MI against its peer group of 2757 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 | 1.28% | 1.25% | +0.03% | 50th above |
| ROAE | 13.20% | 12.22% | +0.98% | 54th above |
| Net Interest Margin | 4.22% | 3.95% | +0.27% | 65th above |
| Efficiency Ratio | 61.16% | 63.71% | -2.55% | 50th above |
| PPNR / Avg Assets | 1.77% | — | — | 60th above |
| Yield on Earning Assets | 5.71% | 5.67% | +0.04% | 55th above |
| Cost of Funds | 1.56% | 1.87% | -0.31% | 65th above |
| Net Interest Spread | 3.56% | — | — | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.88% | -0.56% | 56th above |
| NPA / Total Assets | 0.26% | — | — | 55th above |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 89th top |
| ACL / Total Loans | 1.45% | — | — | 75th top |
| ACL / NPLs (Coverage) | 459.17% | — | — | 68th above |
| Texas Ratio | 2.43% | 5.96% | -3.53% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.35% | 17.18% | -5.83% | 11th bottom |
| Tier 1 Ratio | 11.35% | 17.21% | -5.86% | 10th bottom |
| Total Capital Ratio | 12.60% | — | — | 12th bottom |
| Leverage Ratio | 9.77% | 11.75% | -1.98% | 26th below |
| Equity / Assets | 9.36% | 10.98% | -1.62% | 33rd below |
| TCE / Tangible Assets | 9.36% | — | — | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.58% | 80.44% | +13.14% | 22nd bottom |
| Core Deposit Ratio | 97.02% | 86.95% | +10.07% | 93rd top |
| Wholesale Funding Ratio | 3.39% | — | — | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.10% | — | — | 55th above |
| Loan Growth (Y/Y) | 7.18% | — | — | 60th above |
| Deposit Growth (Y/Y) | 4.42% | — | — | 53rd above |
See Honor Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Honor 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 Honor Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Honor Bank peer analysis.