The Honesdale National Bank: how it compares with its peers
Against 37 PA banks with half to twice its assets, The Honesdale National Bank's strongest measure in Q2 2026 is net interest margin (4.51% vs. a 3.44% peer median). Its weakest relative measure is assets per employee ($7.0M vs. $7.8M).
| Measure | The Honesdale National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.50% | 1.15% | Top third Ahead of 86% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.51% | 3.44% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.23% | 60.29% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $7.8M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.28% | 84.35% | Context |
What it means for lending operations
Its efficiency ratio of 52.23% is better than the 60.29% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First National Bank and Trust Company of Newtown Newtown, PA · $1.17B
- The Dime Bank Honesdale, PA · $1.19B
- American Bank Allentown, PA · $1.11B
- Central Penn Bank & Trust Mifflinburg, PA · $1.27B
- Brentwood Bank Bethel Park, PA · $1.05B
- First Federal Savings and Loan Association of Greene Co Waynesburg, PA · $1.03B
Questions about The Honesdale National Bank
How big is The Honesdale National Bank?
The Honesdale National Bank, established in 1836, is headquartered in Honesdale, PA. It reported $1.17B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is The Honesdale National Bank's return on assets?
1.50% annualized in Q2 2026, against a 1.15% median for 37 PA banks with half to twice its assets, ahead of 86% of them.
What is The Honesdale National Bank's efficiency ratio?
52.23% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 60.29%, and lower is better.
Is The Honesdale National Bank growing its loans?
Net loans grew 9.8% over the year to Q2 2026, while deposits grew 8.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.