BlastPoint's Banking Scorecard

The Honesdale National Bank

$1B-$10B Specialty: Commercial PA FDIC cert 7526

Designations: ✓ Community bank

Honesdale, PA

15 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
Deposits +8.0% year over year ($993.3M on the books).
Delinquency rate 0.25%.
Return on assets 1.50%.
Efficiency ratio 52.23% vs a 59.73% peer average.
Loan-to-deposit ratio 91.28% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 37 in PA

View $1B-$10B leaderboard (PA) →

The Honesdale National Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.11% above tier average
+ Net Interest Margin 0.63% above tier average
+ Efficiency Ratio 7.50% below tier average
+ Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 40.7% in tier

Get updates when The Honesdale National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$1.2B +9.0% YoY +1.4% QoQ	-$1.6B	$2.8B -0.6% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	Bottom 14.6% in tier
Total Loans ?	$906.7M +9.8% YoY +1.8% QoQ	-$1.1B	$2.0B -0.3% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	25%
Total Deposits ?	$993.3M +8.0% YoY +0.8% QoQ	-$1.3B	$2.3B -0.5% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	15%
Return on Assets ?	1.50% +13.9% YoY +3.0% QoQ	+0.11%	1.39% +17.0% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	69%
Net Interest Margin ?	4.51% +9.0% YoY +0.2% QoQ	+0.63%	3.87% +6.2% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	Top 12.3% in tier
Efficiency Ratio ?	52.23% -10.0% YoY -1.1% QoQ	-7.50%	59.73% -12.6% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	71%
Delinquency Rate ?	0.25% -29.3% YoY -20.2% QoQ	-0.62%	0.87% +11.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	74%
Loan-to-Deposit Ratio ?	91.28% +1.6% YoY +1.0% QoQ	+6.24%	85.04% -0.1% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	36%
Non-Interest-Bearing Deposit Share ?	28.76% -9.0% YoY -0.3% QoQ	+7.48%	21.27% -1.5% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	82%
Nonperforming Asset Ratio ?	0.25% -6.8% YoY -16.2% QoQ	-0.42%	0.67% +11.7% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	67%
Tier 1 Capital Ratio ?	13.74% +0.8% YoY -0.8% QoQ	-1.10%	14.84% -0.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.30% +0.7% YoY +99.8% QoQ	-0.23%	0.53% +2.5% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	51%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Noninterest-Bearing	28.8% -2.9pp YoY -0.1pp QoQ	+7.4pp	21.4%	18.7%	22.2%	82%
Brokered Deposits	n/a	n/a	9.5%	6.8%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	12.2% -0.2pp YoY -0.2pp QoQ	-1.8pp	14.0%	8.6%	12.5%	56%
CRE	45.4% -0.6pp YoY -0.4pp QoQ	-4.6pp	50.0%	37.9%	41.4%	37%
1-4 Family	38.8% +0.8pp YoY +0.8pp QoQ	+12.4pp	26.4%	47.8%	31.3%	80%
Consumer	3.0% -0.4pp YoY -0.1pp QoQ	-1.7pp	4.7%	3.8%	5.0%	73%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	22.3%	19.7%	n/a
Leverage Ratio	13.7% +0.1pp YoY -0.1pp QoQ	+2.4pp	11.3%	13.2%	12.6%	89%
Total Capital Ratio	n/a	n/a	16.7%	23.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	167 +8 (+5.0%) YoY +5 (+3.1%) QoQ	-147	313	299	482	30%
Assets per Employee ($)	$7.0M +3.8% YoY -1.6% QoQ	-$3.5M	$10.5M	$9.2M	$8.8M	24%
Branch Count	15 0 YoY 0 QoQ	-5	20	20	18	50%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.6pp	0.8%	0.9%	1.0%	26%
Allowance Coverage	7.47x +58.2% YoY +34.0% QoQ	-11.24x	18.71x	3.63x	20.23x	84%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.1pp QoQ	-0.2pp	0.3%	0.1%	0.2%	63%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	11.4% +1.0pp YoY +0.3pp QoQ	-1.2pp	12.6%	10.2%	11.6%	45%
Cost of Funds (YTD)	1.6% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.9%	1.8%	1.7%	33%
Net Income ($, YTD)	$8.6M +23.3% YoY — QoQ	-$10.6M	$19.2M	$18.2M	$40.4M	32%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#148 of 361 • Bottom 40.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.28%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

110

Net Interest Margin

profitability

Value: 4.51%

Peer Median: 3.87%

#110 of 885 Top 12.3% in $1B-$10B

161

Non-Interest-Bearing Deposit Share

funding

Value: 28.76%

Peer Median: 21.27%

#161 of 885 Top 18.1% in $1B-$10B

Top Weaknesses (2 metrics)

757

Total Assets

size

Value: $1.17B

Peer Median: $2.79B

#757 of 885 Bottom 14.6% in $1B-$10B

751

Total Deposits

size

Value: $993.30M

Peer Median: $2.32B

#751 of 885 Bottom 15.3% in $1B-$10B