BlastPoint's Banking Scorecard
The Honesdale National Bank
Community
Specialty: Commercial
PA
FDIC cert 7526
Honesdale, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
The Honesdale National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 21% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+8.0% YoY
+0.4% QoQ
|
-$265.4M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$874.0M
+13.5% YoY
+2.1% QoQ
|
-$101.5M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$961.0M
+7.5% YoY
+0.1% QoQ
|
-$203.6M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
1.53%
+16.6% YoY
+8.0% QoQ
|
+0.36% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
4.31%
+11.7% YoY
+1.6% QoQ
|
+0.65% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
55.37%
-7.7% YoY
-1.5% QoQ
|
-7.27% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.29%
+26.6% YoY
+3.3% QoQ
|
-0.33% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
90.95%
+5.6% YoY
+1.9% QoQ
|
+7.88% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
30.39%
-1.7% YoY
-5.8% QoQ
|
+9.34% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.23%
+33.1% YoY
+4.9% QoQ
|
-0.27% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.57%
+0.1% YoY
+35.0% QoQ
|
-0.17% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Quality Pressure
risk
#168 of 808 · Bottom 21% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.29%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.39% · Tier avg: 21.05%
81
81th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.66%
75
75th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.16%
72
72th pctile
Efficiency Ratio
Current: 55.37% · Tier avg: 62.63%
62
62th pctile
Total Loans
Current: $874.0M · Tier avg: $975.5M
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
58
58th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
57
57th pctile
Total Deposits
Current: $961.0M · Tier avg: $1.2B
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
33
33th pctile
Loan-to-Deposit Ratio
Current: 90.95% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Loan-to-Deposit Ratio
Current: 90.95% · Tier avg: 83.06%
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
57
57th pctile
Total Deposits
Current: $961.0M · Tier avg: $1.2B
58
58th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
62
62th pctile
Total Loans
Current: $874.0M · Tier avg: $975.5M
72
72th pctile
Efficiency Ratio
Current: 55.37% · Tier avg: 62.63%
75
75th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.16%
81
81th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.66%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.39% · Tier avg: 21.05%