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HNB National Bank

Hannibal, MO · Cert 4540 · 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
Loan mix
91%RE $540.6M8%C&I $45.7M1%Consumer $7.5MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $965.5M17%Noninterest $197.5MQ2 2025Q2 2026

NIM

5.27%Q2 ’245.36%Q2 ’254.66%Q2 ’26+3%-6%

Non-interest income vs. expense

2.40%Q2 ’242.00%Q2 ’251.82%Q2 ’26-22%-9%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.3% share · #39 of 114 inst. · $0.3B of $99.1B

5.0% Clay
30.2% Marion
72.9% Ralls
25.8% Pike

Executive Summary

  • Earnings: ROA of 2.09%, up 21 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.06% of loans (-13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.72%, down 190 bps from a year ago.
  • Funding: loans stand at 75.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.09%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.47%-22 bps YoY

Efficiency Ratio (YTD, annualized)

41.77%-151 bps YoY

Tier 1 Leverage Ratio

9.72%-190 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.88%1.92%1.94%2.01%2.09%+21 bps
Return on Equity16.98%17.02%17.01%16.58%17.91%+93 bps
Net Interest Margin3.70%3.76%3.80%3.98%3.47%-22 bps
Efficiency Ratio43.28%42.95%42.53%42.25%41.77%-151 bps
Non-Interest Burden1.29%1.29%1.29%1.32%1.18%-12 bps
Growth
Asset Growth (YoY)7.39%4.64%5.12%3.26%36.77%+2,938 bps
Loan Growth (YoY)3.79%2.49%6.41%5.99%36.60%+3,281 bps
Deposit Growth (YoY)9.13%6.02%6.46%4.02%38.68%+2,955 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.06%0.06%0.04%0.06%-13 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.01%0.00%-3 bps
Allowance / Loans1.09%1.07%1.05%1.08%1.14%+5 bps
Allowance Coverage of NPLs5.9x19.1x16.5x24.7x20.0x+14.0x
Capital
Tier 1 Leverage Ratio11.62%11.97%12.11%12.60%9.72%-190 bps
Total Risk-Based Capital11.62%11.97%12.11%12.60%9.72%-190 bps
Equity / Assets11.26%11.90%12.02%12.22%10.94%-32 bps
Liquidity & Funding
Loans / Deposits76.14%77.56%81.36%78.67%75.00%-114 bps
Liquid Assets / Assets7.65%4.92%2.20%6.93%5.57%-207 bps
CRE / Total Capitaln/a191.62%197.15%191.89%n/an/a