# HONESDALE NATIONAL BANK
HONESDALE, PA · FDIC certificate 7526 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.17B | |
| Deposits | $993.3M | |
| Loans and leases | $923.4M | |
| Total equity | $153.7M | |
| Loans / deposits | 91.28% (p64 of band) | 87.10% |
| Liquid assets / assets | 17.40% (p34 of band) | |
| Uninsured deposits / deposits | 24.36% (p28 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.51% (p19 of band) | |
| FHLB advances / assets | 0.51% | |
| Tier 1 leverage | 13.74% (p89 of band) | 10.50% |
| Unrealized securities loss / equity | -5.57% (p61 of band) | -7.75% |
| AOCI / equity | -0.20% (p57 of band) | |
| ROA (annualized) | 1.50% (p69 of band) | 1.26% |
| Net interest margin | 4.51% (p88 of band) | 3.70% |
| Efficiency ratio | 52.23% (p29 of band) | |
| Noncurrent loans | 0.24% (p27 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p67 of band) | |
| Reserve coverage of noncurrent | 746.84% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 21.76% (p19 of band) | |
| Auto loans | $13.5M (1.46% of loans; DQ 0.56%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.0% | |
| Employees | 167 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 1 | charge-offs p90 |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | capital falling |  |
| 2023-12 | 0 |  | capital falling |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-07 [Honesdale National Bank supports UNC’s Carbondale Farmers Market - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMirAFBVV95cUxQMEVCVzhoanpUdVF1ZF9FY0pJRnlTRzZ2cnMtX2l4ZU5xb1hBcVJNVXNFNHJvam1VWjZyMzREZ3JCdjNsQ1AtZEtibngzRTFfYkFMS205WXMxa0QySm9ZSjFGcVdjb2l3dDBVdUViWWttVllBWnItaGlIRDZybUlvdmFmQnpHT2N1Ri1rU2Y1c28wbWtCYlRwR2JoMjM2cTJsdXFXVDB3RzU3XzNF?oc=5) · Scranton Times-Tribune
- 2025-01-28 [Wayne County Wanderings: Kate Bryant is the first female president and CEO in HNB history - Tri-County Independent](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNaWl5aThHTmFjVVpfTG1ZdF9oTXN0b2JKbTVPZmZkWmZCV0JEZU5CRV9JMGR2RVdzRXc2TjItcWU5YjFQZWs4bHROSmpkZjQyZ19KY1AzeU9TeWFHek5fNFVwYkE3dmVWSElZdVhmc3JnNGJwSUhORUFfMVZFTnFmWGxXWVlYRlhTRnVjOWpUSzc2OTlzZ18wb0wwdXdoQXhQV1J2bjYtamRBOU12cHM1bjZIRWJoV2ZfTEdONkM1dEF4V2k3aDBlSHhGYkxWbEhiRXFuQWZFVDYwWmhHMmxsdkVhSWV5UkwtSUE1SA?oc=5) · Tri-County Independent
- 2025-01-02 [Kate Bryant becomes Honesdale National Bank's first female CEO and President - fox56.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQTVRxaTdsd1JUT0t3OEdfdHhfbGdOX0EyTkY5Z0xXTzYtZFpJZnNIUUtRT0NKRTVESGtCNVN0TTRBMnBIWUFkdW13S2k5N18weWc2OTZrMlk4QnRfYmFTclZFUmpFRkhGUVlWbDQ1a0wwTnJ2Y0xIcVJ4TjA4ZzhHRkh2R1YzR0Q3MkFOcDNlSnpFOGxQZnllWllfWTZUR0hOS29FOG5fbw?oc=5) · fox56.com
- 2023-04-06 [Bank On certifies Dime Bank account, Jeff Bank posts record profits and more - The River Reporter](https://news.google.com/rss/articles/CBMitwFBVV95cUxQVnNtTHNZV0ZBRHRxMmdXcnJKQ3ZDTDFYSWh2NlBtZ2dQeXl2UUg2REc1eGNCWi1lT3p6NE9yRVNwSUF2Nll6Y2h2cTRWMHdkSkdXUW1VRTdpNXJOYXB1a2szM0pUOC1lV3dvcHVKZzlxb2lnOTJicEloS2w4QVA4UVVUeTlLWTJmYVFYcU16YzRIeDlUU2hEQll4Y0xCYkJlWFdPUkd5UGppMnRoMExaQlFDbzF6a3c?oc=5) · The River Reporter
- 2023-03-13 [How Pennsylvania banks compare to Silicon Valley Bank - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOTG5yd1FiWndKMkVmaGpJc1luM2Y3a3I1THhLR1lHak5aLUxpSkVKNGdWWkVNdE1WVnQ5THZWWElEWWtrMTJvWnRXdXo3ZVR5SllzTGp0ZzJVRzFLcEpYbFhQcGJlakYtY1FmWE5tczJmRW9PRUhSS09zaWdNVTJucFBZeDdiU21fRDYzV3ZNUTVjdXRUTlRObG130gGfAUFVX3lxTE5tVDF0YVgtQmJJSG5qWHAtNk9MR191VnpSRHNuYlgydWw4MmtVNlNRTTE1VmJEc2h5aFRCUWRGTGNUUHl4R2lkU3hZdjYwT0NWLVJidlhxdF9jeWZxS2k4VnBzMU5LNDJZVDZTY1hIMmpLdnZSdDBBb3B0R2xCSVRCMERLQTR4cDc4WXdqRkNGWW10eGZXbEhtVkFkWXNZbw?oc=5) · CBS News
- 2017-10-24 [VIDEO: Surveillance footage shows customer tackle robber - fox8live.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQTTBxaDlIazN5clZwd3ppVF9ieXl6UEtzdTZFdGx1R21TNkhWb0haZHN6MVFqTkF6aWV1OVZ5Zjl4LWRQU3pkaUJwTkVxM3dQUXBtdEduMnRvdDhQa0VuMDViT3c4UDVVVlN5MVlmMFFBYnNMYlM0NTNsS0JMamZoVlAxX3BZMUF2R213UFpSa3gxcmFSVHBqWmcta1DSAa8BQVVfeXFMTnhBWlJKelBtMHZoOHhlai1YUjk4MEU3Y0NCU1NkZ0k1a0p2S3RKS1VCRGVJaV9CT0c2cWVFRkQwdTRoWFNUSTA4RExMSU15MjhTem1YeXREazYybEVPRHU5YkJaemExWWp2UmNqUTV4d1hZTXhYbjJHZnZEek1nOWJRSDJLcE1tY3Z1aWExbU0yOWprWkRsTWpHR1JmUDFxOEFkLS1DeG5yZWJLaFBLWQ?oc=5) · fox8live.com
- 2023-02-16 ['They lived humbly' - Stegner Family Foundation providing millions for Wayne County groups - WNEP](https://news.google.com/rss/articles/CBMiwgJBVV95cUxQcXJ6YlMwN1ZpektCb1czaEJnTXBBX2tWNmM2ZjBEZ05HbXBCNGR2eExOTFdpWHZYYXFqNmtodFBRZWQtQkdPMkVYRDhzV19FUzBPeWdqLXJDWlQwNE55WnhvOVIzQ0pqSnlmM3VJUGVCRWw0VUh4eDlyNTdkZkUzRzcwN0RPMFViYUUwWnc4cWRvWFpQV1RaSHgyZnMwcFNxRWVvcllKRi1yM1Q3QUpIUHRGWU5LVVlsbHM2ajhfdGdDYmxRMUdDX2xGQVhXeFNhLVhJVTIyaGZTQ04zQ1JVdnJFNDN5R2NVWlRtbzQ2UC0tLXBUMjRMX1lQd3JsZjRocml2OWhSS3dLVGhkUzRhWVN2Z3NGT09QYWsxT0U2YXZPVzRuS2hYeTFfVC1fR3JvQ3BMWUdVaGxyVDZjY1poWk9n?oc=5) · WNEP
- 2015-11-04 [Woodmansee named Honesdale National Bank president, CEO - The Citizens' Voice](https://news.google.com/rss/articles/CBMinAFBVV95cUxQSDNfR1E3akdTS0NVbWE4OVMya21CazFXYVpueFFMdFdOZDVRS2NBMmVKUUdGdHlqNjQyRWZzaE9uNkN4X0xvSXdLMXFqNjVWX0NYVVNOa3RrclhQZmJQdHpPb1J0UjBQc0xXcUhNMkhxanMyS0dDdkRKZDA5aGoyTHNTS2NtWXp6NUc5SVRidHNoMTdXcDdSaEhDNzY?oc=5) · The Citizens' Voice

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7526 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "7526", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide