Honor Bank (FDIC #8165): Bank Stress & Real-Estate Credit Exposure

Honor Bank (FDIC Cert #8165): bank stress 66/100, elevated, STABLE over 7 days; parent HONOR BCORP INC.

Honor Bank (#8165) lends in 4 counties across 1 state; Honor Bank (#8165) reaches 37 ZIP codes: Michigan 4 counties, 37 ZIPs.

Honor Bank (#8165) largest markets: Manistee County, MI (30 branches, 15 ZIPs) (#8165), Wexford County, MI (13 branches, 13 ZIPs) (#8165), Benzie County, MI (33 branches, 11 ZIPs) (#8165), Grand Traverse County, MI (22 branches, 11 ZIPs) (#8165).

Honor Bank (#8165) reports $442.7 million in total assets; Honor Bank (#8165) equity $41.5 million (9.4% of Honor Bank (#8165) assets); Honor Bank (#8165) domestic deposits $384.1 million; Honor Bank (#8165) net income $2.9 million; Honor Bank (#8165) return on assets 1.34%; Honor Bank (#8165) return on equity 13.94%; Honor Bank (#8165) net interest income $8.4 million; Honor Bank (#8165) call report June 30, 2026.

Honor Bank (#8165) noncurrent real-estate loans: none reported; Honor Bank (#8165) net charge-offs on real estate 0.37%; Honor Bank (#8165) residential charge-offs 0.36%.

Honor Bank (#8165) net interest margin 4.22% against an eight-quarter Honor Bank (#8165) average of 4.02% (Honor Bank (#8165) compression -0.21 points); Honor Bank (#8165) non-residential real estate 35.8% of equity; Honor Bank (#8165) rate-exposure score 40/100, Honor Bank (#8165) fixed-rate trap 40/100; Honor Bank (#8165) risk type credit driven; Honor Bank (#8165) rate regime rates elevated, Honor Bank (#8165) snapshot October 19, 2026.

Honor Bank (#8165) stress score moved from 60.7 on June 22, 2026 to 65.9 on October 20, 2026; Honor Bank (#8165) ranged 60.7 to 65.9 over 117 snapshots.

Honor Bank (#8165) alerts: 4 counties; top Honor Bank (#8165) alert scores: Buckley County, MI 24 (low); Copemish County, MI 24 (low); Lake Ann County, MI 24 (low); Traverse City County, MI 24 (low).