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The Honesdale National Bank
Honesdale, PA · FDIC Certificate #7526 · Chartered 12/2
Total assets
$1.17B
Total deposits
$993.30M
Total equity
$153.71M
Net loans
$906.65M
Branches (offices)
15
Net income (YTD)
$8.62M
Rank: #916 of 4,213 U.S. banks by assets · #40 of 109 in Pennsylvania. Assets changed 9.0% and deposits 8.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.50% |
| Return on equity | 11.44% |
| Net interest margin (YTD) | 4.51% |
| Equity to assets | 13.15% |
| Tier 1 leverage ratio | 13.74% |
| Uninsured deposits (share of deposits) | 24.4% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 91.3% |
| Real estate loans (share of loans) | 85.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $771.84M | 85.1% | |
| Commercial & industrial | $110.79M | 12.2% | |
| Consumer / individual | $27.14M | 3.0% | |
| Construction & development | $33.45M | 3.7% | |
| Agricultural | $563.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $950.41M | $832.91M | $5.49M | $108.48M |
| Jun 2023 | $943.65M | $815.03M | $6.15M | $117.11M |
| Jun 2024 | $978.16M | $836.17M | $5.50M | $127.21M |
| Jun 2025 | $1.07B | $919.38M | $6.99M | $136.13M |
| Jun 2026 | $1.17B | $993.30M | $8.62M | $153.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $993.30M | 15 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $993.30M.
Similar-sized banks
The North Side Bank And Trust Company ($1.17B) · Citizens Bank ($1.17B)
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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