BlastPoint's Banking Scorecard

Honor Bank

$100M-$1B Specialty: Commercial MI FDIC cert 8165

Honor, MI

9 branches across MI

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
Deposits +4.4% year over year ($384.1M on the books).
Delinquency rate 0.32%.
Return on assets 1.34%.
Efficiency ratio 62.03% vs a 64.48% peer average.
Loan-to-deposit ratio 92.23% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 47 in MI

View $100M-$1B leaderboard (MI) →

Honor Bank has 3 strengths but faces 3 concerns

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

+ Net Interest Margin 0.24% above tier average
+ Efficiency Ratio 2.45% below tier average
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 32.2% in tier
- Liquidity Strain: Bottom 32.8% in tier
- Credit Risk Growth: Bottom 34.4% in tier

Get updates when Honor Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$442.7M +5.1% YoY +7.1% QoQ	+$56.2M	$386.6M +1.2% YoY	$1.0B +6.5% YoY	$6.3B +7.7% YoY	66%
Total Loans ?	$354.2M +7.0% YoY +6.6% QoQ	+$95.9M	$258.3M +1.7% YoY	$767.2M +9.2% YoY	$3.2B +9.4% YoY	75%
Total Deposits ?	$384.1M +4.4% YoY +3.9% QoQ	+$57.3M	$326.7M +0.7% YoY	$806.0M +5.9% YoY	$4.9B +7.3% YoY	68%
Return on Assets ?	1.34% +13.0% YoY -6.3% QoQ	+0.02%	1.32% +10.8% YoY	1.18% +20.1% YoY	1.30% +12.1% YoY	56%
Net Interest Margin ?	4.22% +8.0% YoY -1.0% QoQ	+0.24%	3.99% +5.0% YoY	4.06% +4.7% YoY	3.95% +4.9% YoY	66%
Efficiency Ratio ?	62.03% -3.4% YoY -0.9% QoQ	-2.45%	64.48% -3.2% YoY	65.90% -5.4% YoY	70.05% +2.5% YoY	51%
Delinquency Rate ?	0.32% +144.8% YoY +81.0% QoQ	-0.60%	0.92% +15.7% YoY	0.85% +32.2% YoY	0.98% +16.3% YoY	56%
Loan-to-Deposit Ratio ?	92.23% +2.4% YoY +2.6% QoQ	+14.28%	77.95% +1.0% YoY	80.02% +3.0% YoY	79.03% +2.3% YoY	22%
Non-Interest-Bearing Deposit Share ?	29.70% -0.2% YoY +13.8% QoQ	+7.67%	22.03% -0.6% YoY	25.55% -0.4% YoY	21.98% -0.6% YoY	81%
Nonperforming Asset Ratio ?	0.26% +122.9% YoY +80.1% QoQ	-0.41%	0.67% +16.4% YoY	0.65% +27.6% YoY	0.69% +15.8% YoY	55%
Tier 1 Capital Ratio ?	11.35% -3.4% YoY -7.5% QoQ	-4.56%	15.91% +1.4% YoY	20.80% -0.9% YoY	17.09% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.26% -8.5% YoY +103.8% QoQ	-0.30%	0.57% +7.6% YoY	0.38% +3.3% YoY	0.66% +5.2% YoY	66%

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 (MI)	National Avg	Tier Percentile
Noninterest-Bearing	29.7% 0.0pp YoY +3.6pp QoQ	+7.6pp	22.1%	25.9%	22.2%	81%
Brokered Deposits	n/a	n/a	7.9%	12.3%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
C&I	15.0% +2.8pp YoY +0.3pp QoQ	+3.5pp	11.6%	12.8%	12.5%	76%
CRE	59.1% +0.1pp YoY +1.2pp QoQ	+19.5pp	39.5%	45.9%	41.4%	83%
1-4 Family	26.9% -2.6pp YoY -1.7pp QoQ	-5.7pp	32.6%	33.6%	31.3%	44%
Consumer	0.2% -0.1pp YoY 0.0pp QoQ	-3.9pp	4.1%	4.6%	5.0%	8%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
CET1 Ratio	11.3% -0.4pp YoY -0.9pp QoQ	-7.5pp	18.8%	26.9%	19.7%	11%
Leverage Ratio	9.8% +0.3pp YoY -0.1pp QoQ	-2.4pp	12.2%	12.3%	12.6%	26%
Total Capital Ratio	12.6% -0.4pp YoY -0.9pp QoQ	-7.3pp	19.9%	27.9%	20.8%	12%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Full-Time Employees	75 -2 (-2.6%) YoY +2 (+2.7%) QoQ	+16	58	134	482	74%
Assets per Employee ($)	$5.9M +7.9% YoY +4.2% QoQ	-$1.6M	$7.5M	$6.8M	$8.8M	32%
Branch Count	9 0 YoY 0 QoQ	+4	4	9	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.3% +0.2pp YoY +0.1pp QoQ	-0.6pp	0.9%	0.8%	1.0%	40%
Allowance Coverage	4.59x -52.5% YoY -46.6% QoQ	-19.56x	24.15x	6.79x	20.23x	68%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	47%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
ROE	13.9% +1.1pp YoY -0.7pp QoQ	+1.7pp	12.2%	11.7%	11.6%	62%
Cost of Funds (YTD)	1.5% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.5%	1.7%	33%
Net Income ($, YTD)	$2.9M +15.5% YoY — QoQ	+$295K	$2.6M	$7.3M	$40.4M	68%

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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 (3)

Credit Quality Pressure

risk

#406 of 1256 • Bottom 32.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.32%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#228 of 691 • Bottom 32.8% 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: 92.23%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Credit Risk Growth

risk

#323 of 936 • Bottom 34.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

502

Non-Interest-Bearing Deposit Share

funding

Value: 29.70%

Peer Median: 22.03%

#502 of 2643 Top 19.0% in $100M-$1B

Top Weaknesses (1 metrics)

2072

Loan-to-Deposit Ratio

liquidity

Value: 92.23%

Peer Median: 77.95%

#2072 of 2643 Bottom 21.6% in $100M-$1B