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HNB First Bank

$100M-$1B Specialty: Commercial AL FDIC cert 2805

Headland, AL

4 branches across AL · FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
  • Deposits +9.9% year over year ($253.7M on the books).
  • Delinquency rate 0.64%.
  • Return on assets 1.15%.
  • Efficiency ratio 65.91% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.99% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

HNB First Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest Income / Assets 0.06% below tier average
  • + Net Interest Margin 0.41% above tier average
  • + Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 46.6% in tier
  • - Efficiency Ratio 1.43% above tier average
Get updates when HNB First Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $282.4M
+9.7% YoY +0.7% QoQ
-$104.2M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $220.7M
+19.7% YoY +0.6% QoQ
-$37.6M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $253.7M
+9.9% YoY +0.4% QoQ
-$73.0M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
46%
Return on Assets ? 1.15%
-18.7% YoY +15.1% QoQ
-0.17% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
44%
Net Interest Margin ? 4.39%
+6.2% YoY +2.2% QoQ
+0.41% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
74%
Efficiency Ratio ? 65.91%
+3.6% YoY -9.8% QoQ
+1.43% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
40%
Delinquency Rate ? 0.64%
-45.8% YoY +45.5% QoQ
-0.28% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
40%
Loan-to-Deposit Ratio ? 86.99%
+8.9% YoY +0.2% QoQ
+9.04% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 19.70%
-9.1% YoY -0.7% QoQ
-2.33% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.57%
-31.9% YoY -17.3% QoQ
-0.10% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
36%
Tier 1 Capital Ratio ? 9.53%
-2.0% YoY +3.3% QoQ
-6.38% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
Bottom 5.3% in tier
Non-Interest Income / Assets ? 0.50%
+32.8% YoY +240.5% QoQ
-0.06% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
Top 9.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 19.7%
-2.0pp YoY
-0.1pp QoQ
 -2.5pp 22.1% 24.0% 22.2% 44%
Brokered Deposits n/a n/a 7.9% 5.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 12.7%
+0.6pp YoY
+0.4pp QoQ
 +1.1pp 11.6% 16.9% 12.5% 67%
CRE 39.0%
+1.5pp YoY
-0.4pp QoQ
 -0.6pp 39.5% 43.5% 41.4% 51%
1-4 Family 24.4%
+0.1pp YoY
+0.4pp QoQ
 -8.2pp 32.6% 30.6% 31.3% 40%
Consumer 4.9%
-0.7pp YoY
-0.3pp QoQ
 +0.8pp 4.1% 5.7% 5.0% 77%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 9.5%
-0.2pp YoY
+0.3pp QoQ
 -2.6pp 12.2% 13.2% 12.6% 22%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 51
-1 (-1.9%) YoY
+4 (+8.5%) QoQ
 -8 58 304 482 54%
Assets per Employee ($) $5.5M
+11.9% YoY
-7.2% QoQ
 -$2.0M $7.5M $6.9M $8.8M 23%
Branch Count 4
0 YoY
0 QoQ
 -1 4 20 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
+0.2pp QoQ
 -0.1pp 0.3% 0.2% 0.4% 64%
Nonaccrual 0.4%
-0.6pp YoY
0.0pp QoQ
 -0.5pp 0.9% 1.2% 1.0% 50%
Allowance Coverage 2.05x
+123.5% YoY
-12.5% QoQ
 -22.11x 24.15x 7.50x 20.23x 48%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 41%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 12.9%
-2.8pp YoY
+1.6pp QoQ
 +0.7pp 12.2% 10.0% 11.6% 55%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 67%
Net Income ($, YTD) $1.6M
-7.7% YoY
— QoQ
 -$924K $2.6M $17.2M $40.4M 45%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline
#144 of 307 • Bottom 46.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.15%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

254
Non-Interest Income / Assets
revenue_mix
Value: 0.50%
Peer Median: 0.57%
#254 of 2643 Top 9.6% in $100M-$1B

Top Weaknesses (1 metrics)

2505
Tier 1 Capital Ratio
capital
Value: 9.53%
Peer Median: 15.91%
#2505 of 2643 Bottom 5.3% in $100M-$1B
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