| Metric | Honor Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.7 pts |
| Deposit growth (YoY) | +4.4% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +7.0% | +5.6% | +1.4 pts |
| ROA | 1.34% | 1.24% | +0.1 pts |
| ROE | 13.9% | 11.9% | +2.1 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $442.7M | $384.1M | $354.2M | $41.5M | $2.9M | 1.34% | 4.22% | 0.26% |
| Q1 2026 | $413.4M | $369.7M | $332.4M | $41.1M | $1.5M | 1.43% | 4.26% | 0.14% |
| Q4 2025 | $416.8M | $374.4M | $329.7M | $40.1M | $5.0M | 1.19% | 4.08% | 0.16% |
| Q3 2025 | $432.0M | $389.2M | $333.2M | $40.5M | $3.9M | 1.23% | 3.97% | 0.15% |
| Q2 2025 | $421.3M | $367.8M | $331.1M | $39.5M | $2.5M | 1.19% | 3.91% | 0.11% |
| Q1 2025 | $410.2M | $365.8M | $324.3M | $38.5M | $1.2M | 1.17% | 3.90% | 0.04% |
| Q4 2024 | $413.8M | $374.0M | $319.5M | $37.3M | $5.1M | 1.29% | 3.90% | 0.04% |
| Q3 2024 | $419.7M | $381.0M | $318.1M | $36.6M | $3.8M | 1.28% | 3.88% | 0.03% |
Loan mix (Q2 2026): real estate $304.6M · commercial $53.2M · consumer $699K · securities $39.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Honor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.24% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 11.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 62.9% | 48th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Honor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Honor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Honor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Honor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.