BlastPoint's Banking Scorecard
The Honesdale National Bank
Designations: ✓ Community bank
Honesdale, PA
15 branches across PA
The Honesdale National Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 0.68% above tier average
- + Efficiency Ratio 8.24% below tier average
- + Delinquency Rate 0.58% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+7.8% YoY
+2.3% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.9% in tier |
| Total Loans ? |
$890.7M
+12.9% YoY
+1.9% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$985.6M
+7.4% YoY
+2.6% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 13.9% in tier |
| Return on Assets ? |
1.46%
+16.4% YoY
-4.8% QoQ
|
+0.09% |
1.37%
+19.6% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
68% |
| Net Interest Margin ? |
4.50%
+13.4% YoY
+4.3% QoQ
|
+0.68% |
3.82%
+6.9% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
Top 11.7% in tier |
| Efficiency Ratio ? |
52.82%
-10.7% YoY
-4.6% QoQ
|
-8.24% |
61.06%
-4.6% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
0.31%
+1.6% YoY
+5.5% QoQ
|
-0.58% |
0.89%
+14.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
90.37%
+5.1% YoY
-0.6% QoQ
|
+6.17% |
84.20%
+0.3% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
28.83%
-8.9% YoY
-5.1% QoQ
|
+7.54% |
21.29%
-2.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.30%
+33.2% YoY
+31.5% QoQ
|
-0.37% |
0.67%
+15.6% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
13.85%
+1.2% YoY
+1.6% QoQ
|
-1.31% |
15.16%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.15%
+14.3% YoY
-74.1% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
53% |
Get Full Access to The Honesdale National Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.