BlastPoint

BlastPoint's Banking Scorecard

HNB National Bank

$1B-$10B Specialty: Agricultural MO FDIC cert 4540

Hannibal, MO

17 branches across MO

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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
  • Deposits +38.7% year over year ($1.2B on the books).
  • Delinquency rate 0.06%.
  • Return on assets 2.66%.
  • Efficiency ratio 41.77% vs a 59.73% peer average.
  • Loan-to-deposit ratio 74.15% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 30 in MO
View $1B-$10B leaderboard (MO) →

HNB National Bank shows strong momentum with 5 strengths and 36.8% YoY asset growth

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 19.8% in tier
  • + Efficiency Ratio 17.96% below tier average
  • + Delinquency Rate 0.81% below tier average
  • + Nonperforming Asset Ratio 0.64% below tier average
  • + Net Interest Margin 0.54% above 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-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $1.3B
+36.8% YoY +32.0% QoQ
-$1.5B $2.8B
-0.6% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
23%
Total Loans ? $862.3M
+36.5% YoY +27.6% QoQ
-$1.1B $2.0B
-0.3% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
20%
Total Deposits ? $1.2B
+38.7% YoY +33.9% QoQ
-$1.2B $2.3B
-0.5% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
27%
Return on Assets ? 2.66%
+11.5% YoY +3.9% QoQ
+1.27% 1.39%
+17.0% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 2.9% in tier
Net Interest Margin ? 4.41%
+10.6% YoY +4.9% QoQ
+0.54% 3.87%
+6.2% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
84%
Efficiency Ratio ? 41.77%
-3.5% YoY -1.1% QoQ
-17.96% 59.73%
-12.6% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 8.9% in tier
Delinquency Rate ? 0.06%
-68.8% YoY +30.3% QoQ
-0.81% 0.87%
+11.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Top 8.8% in tier
Loan-to-Deposit Ratio ? 74.15%
-1.6% YoY -4.7% QoQ
-10.89% 85.04%
-0.1% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
78%
Non-Interest-Bearing Deposit Share ? 16.98%
+7.3% YoY +18.0% QoQ
-4.29% 21.27%
-1.5% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
34%
Nonperforming Asset Ratio ? 0.04%
-68.9% YoY +25.9% QoQ
-0.64% 0.67%
+11.7% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Top 8.1% in tier
Tier 1 Capital Ratio ? 9.72%
-16.3% YoY -22.8% QoQ
-5.12% 14.84%
-0.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Bottom 3.4% in tier
Non-Interest Income / Assets ? 0.32%
-9.2% YoY +67.3% QoQ
-0.20% 0.53%
+2.5% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
57%

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 (MO) National Avg Tier Percentile
Noninterest-Bearing 17.0%
+1.2pp YoY
+2.6pp QoQ
 -4.4pp 21.4% 20.9% 22.2% 34%
Brokered Deposits 4.5% -4.9pp 9.5% 7.4% 8.5% 46%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 6.4%
0.0pp YoY
-0.4pp QoQ
 -7.6pp 14.0% 12.3% 12.5% 26%
CRE 36.8%
+2.8pp YoY
+2.0pp QoQ
 -13.2pp 50.0% 36.8% 41.4% 18%
1-4 Family 29.4%
+2.6pp YoY
+2.1pp QoQ
 +3.0pp 26.4% 31.9% 31.3% 65%
Consumer 1.5%
+0.2pp YoY
+0.4pp QoQ
 -3.2pp 4.7% 4.1% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 18.5% 19.7% n/a
Leverage Ratio 9.7%
-1.9pp YoY
-2.9pp QoQ
 -1.6pp 11.3% 11.6% 12.6% 29%
Total Capital Ratio n/a n/a 16.7% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 173
+29 (+20.1%) YoY
+29 (+20.1%) QoQ
 -141 313 162 482 32%
Assets per Employee ($) $7.6M
+13.8% YoY
+9.9% QoQ
 -$2.9M $10.5M $8.0M $8.8M 33%
Branch Count 17
+2 (+13.3%) YoY
+2 (+13.3%) QoQ
 -3 20 10 18 57%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 0.8% 0.8% 1.0% 6%
Allowance Coverage 19.98x
+236.8% YoY
-19.1% QoQ
 +1.27x 18.71x 10.47x 20.23x 94%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 22.8%
+1.2pp YoY
+1.7pp QoQ
 +10.2pp 12.6% 14.3% 11.6% 94%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.8% 1.7% 32%
Net Income ($, YTD) $14.5M
+28.4% YoY
— QoQ
 -$4.7M $19.2M $11.3M $40.4M 58%

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 (1)

Profitability Leader

growth
#45 of 222 • Top 19.8% in tier

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

Why this signature
Return on Assets: 2.66%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

27
Return on Assets
profitability
Value: 2.66%
Peer Median: 1.39%
#27 of 885 Top 2.9% in $1B-$10B
73
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#73 of 885 Top 8.1% in $1B-$10B
79
Delinquency Rate
credit_quality
Value: 0.06%
Peer Median: 0.87%
#79 of 882 Top 8.8% in $1B-$10B
80
Efficiency Ratio
profitability
Value: 41.77%
Peer Median: 59.73%
#80 of 885 Top 8.9% in $1B-$10B
141
Net Interest Margin
profitability
Value: 4.41%
Peer Median: 3.87%
#141 of 885 Top 15.8% in $1B-$10B
196
Loan-to-Deposit Ratio
liquidity
Value: 74.15%
Peer Median: 85.04%
#196 of 885 Top 22.0% in $1B-$10B

Top Weaknesses (3 metrics)

856
Tier 1 Capital Ratio
capital
Value: 9.72%
Peer Median: 14.84%
#856 of 885 Bottom 3.4% in $1B-$10B
712
Total Loans
size
Value: $862.27M
Peer Median: $1.96B
#712 of 885 Bottom 19.7% in $1B-$10B
680
Total Assets
size
Value: $1.31B
Peer Median: $2.79B
#680 of 885 Bottom 23.3% in $1B-$10B
Powered by BlastPoint © 2026