The Honesdale National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Honesdale, The Honesdale National Bank serves the Pennsylvania market as a community-focused commercial bank. On its most recent Q2 2026 call report, The Honesdale National reported $1.2B in total assets against $993M in deposits. Profitability is strong, 1.53% ROA, paired with 11.79% ROE and a 4.53% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.74% exceeds the CBLR threshold. Asset quality is solid, 0.99% nonperforming loans and a 5.75% Texas Ratio. The Honesdale National operates a 15-branch network.
As of June 30, 2026, The Honesdale National Bank reported a Tier 1 leverage ratio of 13.74%, a return on assets of 1.53%, a nonperforming-loan ratio of 0.99%, a Texas ratio of 5.75%, per financial data filed with the FFIEC.
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
- Offices
- 15 domestic
- Employees (FTE)
- 167
- Domestic deposits
- $993.3M
- Allowance for credit losses
- $16.8M
- Net charge-offs (YTD)
- $370K
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Honesdale National Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Honesdale National Bank, freeThe Honesdale National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.74% | 1.53% | 0.99% | 5.75% | 4.53% |
| Q1 2026 | 13.85% | 1.46% | 1.06% | 6.38% | 4.55% |
| Q4 2025 | 13.64% | 1.82% | 1.13% | 6.15% | 4.48% |
| Q3 2025 | 13.68% | 1.60% | 0.36% | 2.03% | 4.52% |
| Q2 2025 | 13.64% | 1.37% | 0.33% | 2.02% | 4.31% |
| Q1 2025 | 13.69% | 1.25% | 0.30% | 1.72% | 4.02% |
| Q4 2024 | 13.51% | 1.37% | 0.19% | 1.33% | 3.96% |
| Q3 2024 | 13.75% | 1.55% | 0.22% | 1.20% | 3.94% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| 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
What the public regulatory sources show for The Honesdale National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 148 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows The Honesdale National Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare The Honesdale National Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Honesdale National Bank headquartered?
The Honesdale National Bank is headquartered in Honesdale, PA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Honesdale National Bank founded?
The Honesdale National Bank was established in 1836, per the FDIC institution directory.
Is The Honesdale National Bank FDIC-insured?
Yes. The Honesdale National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does The Honesdale National Bank operate?
The Honesdale National Bank 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?
The Honesdale National Bank's Texas Ratio is 5.75% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on The Honesdale National Bank.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock The Honesdale National Bank, freeFree account