BlastPoint's Banking Scorecard

HNB National Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 4540

Hannibal, MO

17 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

HNB National Bank demonstrates 5 strengths

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

+ Profitability Leader: Top 23.1% in tier
+ Revenue Diversifier: Top 25.8% in tier
+ Efficiency Ratio 23.03% below tier average
+ Net Interest Margin 0.28% above tier average
+ Delinquency Rate 0.84% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when HNB National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$995.4M +3.3% YoY +2.8% QoQ	+$609.4M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 0.1% in tier
Total Loans ?	$675.8M +6.0% YoY -0.9% QoQ	+$420.1M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 3.3% in tier
Total Deposits ?	$868.4M +4.0% YoY +2.5% QoQ	+$540.4M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 0.2% in tier
Return on Assets ?	2.56% +12.5% YoY +4.0% QoQ	+1.29%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 4.0% in tier
Net Interest Margin ?	4.21% +9.1% YoY +3.1% QoQ	+0.28%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	69%
Efficiency Ratio ?	42.25% -5.6% YoY -0.7% QoQ	-23.03%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 6.0% in tier
Delinquency Rate ?	0.04% -77.7% YoY -31.2% QoQ	-0.84%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	77.82% +1.9% YoY -3.3% QoQ	+1.18%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	14.39% -8.2% YoY -3.7% QoQ	-7.63%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	22%
Nonperforming Asset Ratio ?	0.03% -77.1% YoY -33.8% QoQ	-0.61%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	81%
Tier 1 Capital Ratio ?	12.60% +8.1% YoY +4.0% QoQ	-3.23%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.19% +10.3% YoY -73.6% QoQ	-0.09%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	85%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (2)

Profitability Leader

growth

#155 of 666 • Top 23.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.56%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#173 of 666 • Top 25.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.19%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.56%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (8 metrics)

Total Assets

size

Value: $995.44M

Peer Median: $386.08M

#3 of 2664 Top 0.1% in $100M-$1B

Total Deposits

size

Value: $868.37M

Peer Median: $327.97M

#7 of 2664 Top 0.2% in $100M-$1B

Total Loans

size

Value: $675.78M

Peer Median: $255.72M

#90 of 2664 Top 3.3% in $100M-$1B

107

Return on Assets

profitability

Value: 2.56%

Peer Median: 1.27%

#107 of 2664 Top 4.0% in $100M-$1B

161

Efficiency Ratio

profitability

Value: 42.25%

Peer Median: 65.29%

#161 of 2664 Top 6.0% in $100M-$1B

412

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#412 of 2664 Top 15.4% in $100M-$1B

499

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#499 of 2664 Top 18.7% in $100M-$1B

520

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#520 of 2654 Top 19.6% in $100M-$1B

Top Weaknesses (1 metrics)

2082

Non-Interest-Bearing Deposit Share

funding

Value: 14.39%

Peer Median: 22.02%

#2082 of 2664 Bottom 21.9% in $100M-$1B