BlastPoint's Banking Scorecard
HNB First Bank
Headland, AL
4 branches across AL · FL
HNB First Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.37% above tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 41.3% in tier
- - Cost Spiral: Bottom 79.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$280.6M
+12.5% YoY
-1.6% QoQ
|
-$105.5M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
42% |
| Total Loans ? |
$219.5M
+29.0% YoY
+7.6% QoQ
|
-$36.2M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$252.7M
+12.8% YoY
-1.7% QoQ
|
-$75.2M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
45% |
| Return on Assets ? |
1.00%
-19.9% YoY
-20.5% QoQ
|
-0.27% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
4.30%
+10.8% YoY
+2.3% QoQ
|
+0.37% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
72.91%
+10.9% YoY
+9.1% QoQ
|
+7.62% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
26% |
| Delinquency Rate ? |
0.44%
-36.0% YoY
-6.6% QoQ
|
-0.45% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
86.84%
+14.4% YoY
+9.4% QoQ
|
+10.20% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
19.83%
-8.2% YoY
-2.7% QoQ
|
-2.19% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.69%
+48.6% YoY
-2.2% QoQ
|
+0.05% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
9.23%
-6.2% YoY
+0.2% QoQ
|
-6.60% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.9% in tier |
| Non-Interest Income / Assets ? |
0.15%
-30.2% YoY
-77.9% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
73% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.