HNB National Bank
Hannibal, MO · Cert 4540 · Peer group: banks $1B-$10B in assets (n=322-328) · R Dean Phillips Bk Tr Dated 11-19-2004
National charter · OCC · 6 affiliate banks · 17 branches (43 in holding)
Q2 2026
$1.3BAssets
$872.2MLoans
$1.2BDeposits
$143.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 90% of banks $1B-$10B in assets (rank 32 of 322).
- Widest gap: total risk-based capital ratio trails 98% of banks $1B-$10B in assets (rank 322 of 328).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.73%
Rank 50 of 328
Net Interest Margin
3.47%
Rank 160 of 328
Efficiency Ratio
44.99%
Rank 37 of 328
Equity / Assets
10.94%
Rank 132 of 328
Non-interest income vs. expense
Unfavorable gap of $15.5M · efficiency ratio beats 89% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.73% | 0.91% | 1.22% | 1.52% | Beats 85% | 50 / 328 | |
| Return on Equity | 15.85% | 8.43% | 11.45% | 14.43% | Beats 85% | 49 / 328 | |
| Net Interest Margin | 3.47% | 3.03% | 3.45% | 3.83% | Beats 51% | 160 / 328 | |
| Efficiency Ratio | 44.99% | 51.61% | 59.56% | 67.53% | Beats 89% | 37 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.24% | 0.51% | 1.03% | Beats 90% | 32 / 322 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 78% | 71 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 9.72% | 11.75% | 13.15% | 15.47% | Beats 2% | 321 / 328 | |
| Total Risk-Based Capital Ratio | 9.72% | 12.63% | 14.15% | 16.46% | Beats 2% | 322 / 328 | |
| Equity / Assets | 10.94% | 9.15% | 10.33% | 12.01% | Beats 60% | 132 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 75.00% | 76.63% | 87.92% | 95.36% | 23rd pctl | 249 / 323 | |
| Loans / Assets | 66.36% | 65.18% | 74.15% | 79.98% | 27th pctl | 239 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |