HNB First Bank
Headland, AL · Cert 2805 · Peer group: banks under $1B in assets (n=573-620) · HNB Holding Co. Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$282.4MAssets
$223.6MLoans
$253.7MDeposits
$25.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 77% of banks under $1B in assets (rank 142 of 620).
- Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets (rank 584 of 620).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.93%
Rank 341 of 620
Net Interest Margin
4.06%
Rank 142 of 620
Efficiency Ratio
65.91%
Rank 268 of 620
Equity / Assets
9.12%
Rank 456 of 620
Non-interest income vs. expense
Unfavorable gap of $6.6M · efficiency ratio beats 57% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.60% | 1.00% | 1.45% | Beats 45% | 341 / 620 | |
| Return on Equity | 10.24% | 5.30% | 9.30% | 13.29% | Beats 56% | 274 / 620 | |
| Net Interest Margin | 4.06% | 3.02% | 3.53% | 4.04% | Beats 77% | 142 / 620 | |
| Efficiency Ratio | 65.91% | 58.35% | 68.08% | 79.37% | Beats 57% | 268 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.09% | 0.47% | 1.27% | Beats 43% | 328 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 57% | 250 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 9.53% | 11.27% | 13.87% | 18.78% | Beats 6% | 582 / 620 | |
| Total Risk-Based Capital Ratio | 9.53% | 11.69% | 14.57% | 19.67% | Beats 6% | 584 / 620 | |
| Equity / Assets | 9.12% | 9.03% | 10.60% | 13.73% | Beats 26% | 456 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 88.12% | 65.08% | 79.69% | 92.47% | 66th pctl | 200 / 585 | |
| Loans / Assets | 79.17% | 51.85% | 67.17% | 77.86% | 81st pctl | 120 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |