HNB FIRST BANK

HEADLAND, AL | Small | Est. Aug. 16, 1933, midnight | FDIC #2805 | RSSD #117038 | FDIC
Latest Report: 2025-12-31

HNB FIRST BANK is asn small FDIC-insured commercial bank headquartered in HEADLAND, AL, established in Aug. 16, 1933, midnight. As of 2025-12-31, the bank reported total assets of $285M and total deposits of $257M. Profitability stands at 0.86% ROA and 9.77% ROE, with a net interest margin of 4.28%. The bank's CET1 capital ratio is 8.88%. Asset quality metrics show a non-performing loan ratio of 0.46% and a Texas Ratio of 7.36%. FDIC Certificate #2805.

Assets

$285M

Deposits

$257M

Loans

$206M

Equity

$25M

Profitability

Return on Assets (ROA) 0.86%
Return on Equity (ROE) 9.77%
Net Interest Margin (NIM) 4.28%
Yield on Assets 6.36%
Cost of Funds 2.12%

Asset Quality

NPL Ratio 0.46%
Net Charge-Off Ratio 0.14%
Texas Ratio 7.36%
NPA Ratio 0.71%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 8.88%
Tier 1 Capital 8.88%
Total Capital Ratio 9.32%
Leverage Ratio 9.21%
Loan-to-Deposit 80.19%

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