Headland, AL · Cert 2805 · HNB Holding Co. Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Dothan, AL · 2026 SOD (annual) · 5.2% share · #5 of 18 inst. · $0.2B of $4.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.20% | 1.02% | 1.16% | 1.16% | 1.04% | 0.82% | 0.93% | -23 bps | |
| Return on Equity | 12.41% | 13.29% | 11.26% | 12.75% | 12.90% | 11.59% | 9.21% | 10.40% | -235 bps | |
| Net Interest Margin | 3.98% | 3.85% | 3.62% | 3.73% | 3.76% | 3.59% | 3.96% | 4.06% | +33 bps | |
| Efficiency Ratio | 68.37% | 66.41% | 65.73% | 63.63% | 63.30% | 66.81% | 72.91% | 65.91% | +228 bps | |
| Non-Interest Burden | 2.48% | 2.27% | 2.08% | 2.10% | 2.12% | 2.17% | 2.73% | 2.33% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.52% | 4.46% | 8.40% | 11.73% | 21.32% | 18.60% | 12.48% | 9.75% | -198 bps | |
| Loan Growth (YoY) | 10.11% | 10.42% | 10.41% | 13.22% | 17.40% | 22.12% | 28.94% | 19.98% | +676 bps | |
| Deposit Growth (YoY) | 5.93% | 3.89% | 7.89% | 11.56% | 22.62% | 19.49% | 12.82% | 9.91% | -165 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.08% | 0.68% | 1.16% | 0.47% | 0.46% | 0.43% | 0.63% | -53 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.05% | 0.30% | 0.14% | 0.10% | 0.14% | 0.03% | 0.01% | -13 bps | |
| Allowance / Loans | 1.09% | 1.11% | 1.09% | 1.07% | 1.06% | 1.03% | 1.01% | 1.29% | +22 bps | |
| Allowance Coverage of NPLs | 107.8x | 13.3x | 1.6x | 0.9x | 2.3x | 2.2x | 2.3x | 2.0x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.29% | 9.87% | 9.84% | 9.73% | 9.74% | 9.21% | 9.23% | 9.53% | -20 bps | |
| Total Risk-Based Capital | 10.29% | 9.87% | 9.84% | 9.73% | 9.74% | 9.21% | 9.23% | 9.53% | -20 bps | |
| Equity / Assets | 9.52% | 9.03% | 9.08% | 9.16% | 8.69% | 8.88% | 8.91% | 9.12% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.91% | 78.46% | 76.76% | 80.72% | 77.47% | 80.19% | 87.73% | 88.12% | +740 bps | |
| Liquid Assets / Assets | 7.67% | 9.22% | 9.07% | 6.56% | 7.65% | 6.34% | 4.08% | 3.49% | -307 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 301% | 304% | 330% | n/a | n/a | |