HNB First Bank
Headland, AL · Cert 2805 · Peer group: banks under $1B in assets (n=581-629) · 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 76% of banks under $1B in assets (rank 153 of 629).
- Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets (rank 591 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.93%
Rank 354 of 629
Net Interest Margin
4.06%
Rank 153 of 629
Efficiency Ratio
65.91%
Rank 276 of 629
Equity / Assets
9.12%
Rank 469 of 629
Non-interest income vs. expense
Unfavorable gap of $6.6M · efficiency ratio beats 56% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.60% | 1.01% | 1.45% | Beats 44% | 354 / 629 | | |
| Return on Equity | 10.24% | 5.38% | 9.30% | 13.28% | Beats 55% | 284 / 629 | | |
| Net Interest Margin | 4.06% | 3.03% | 3.54% | 4.05% | Beats 76% | 153 / 629 | | |
| Efficiency Ratio | 65.91% | 58.35% | 67.79% | 79.08% | Beats 56% | 276 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.09% | 0.46% | 1.20% | Beats 42% | 339 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 57% | 248 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.53% | 11.24% | 13.84% | 18.77% | Beats 6% | 589 / 629 | | |
| Total Risk-Based Capital Ratio | 9.53% | 11.58% | 14.43% | 19.66% | Beats 6% | 591 / 629 | | |
| Equity / Assets | 9.12% | 9.09% | 10.65% | 13.80% | Beats 25% | 469 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.12% | 67.24% | 80.90% | 93.48% | 65th pctl | 208 / 594 | | |
| Loans / Assets | 79.17% | 53.31% | 67.71% | 78.15% | 79th pctl | 130 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |