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Honor Bank
Honor, MI · FDIC Certificate #8165 · Chartered 06/1
Total assets
$442.75M
Total deposits
$384.05M
Total equity
$41.45M
Net loans
$354.20M
Branches (offices)
8
Net income (YTD)
$2.85M
Rank: #1,939 of 4,213 U.S. banks by assets · #38 of 72 in Michigan. Assets changed 5.1% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.34% |
| Return on equity | 13.94% |
| Net interest margin (YTD) | 4.22% |
| Equity to assets | 9.36% |
| Tier 1 leverage ratio | 9.77% |
| Uninsured deposits (share of deposits) | 17.5% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 92.2% |
| Real estate loans (share of loans) | 86.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $304.61M | 86.0% | |
| Commercial & industrial | $53.22M | 15.0% | |
| Consumer / individual | $699.00K | 0.2% | |
| Construction & development | $28.95M | 8.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $382.12M | $351.05M | $1.92M | $30.09M |
| Jun 2023 | $381.78M | $336.80M | $2.47M | $32.90M |
| Jun 2024 | $396.57M | $354.13M | $2.38M | $35.62M |
| Jun 2025 | $421.26M | $367.78M | $2.47M | $39.49M |
| Jun 2026 | $442.75M | $384.05M | $2.85M | $41.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $384.05M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $384.05M.
Similar-sized banks
Broadstreet Bank S S B ($442.83M) · The Citizens State Bank ($442.40M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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