HNB NATIONAL BANK

HANNIBAL, MO | Medium | Est. Jan. 1, 1888, midnight | FDIC #4540 | RSSD #908553 | OCC
Latest Report: 2025-12-31

HNB NATIONAL BANK is amn medium FDIC-insured commercial bank headquartered in HANNIBAL, MO, established in Jan. 1, 1888, midnight. As of 2025-12-31, the bank reported total assets of $968M and total deposits of $847M. Profitability stands at 2.53% ROA and 21.15% ROE, with a net interest margin of 4.29%. The bank's CET1 capital ratio is 10.56%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.36%. FDIC Certificate #4540.

Assets

$968M

Deposits

$847M

Loans

$690M

Equity

$116M

Profitability

Return on Assets (ROA) 2.53%
Return on Equity (ROE) 21.15%
Net Interest Margin (NIM) 4.29%
Yield on Assets 6.04%
Cost of Funds 1.84%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.36%
NPA Ratio 0.05%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 10.56%
Tier 1 Capital 10.56%
Total Capital Ratio 11.08%
Leverage Ratio 12.11%
Loan-to-Deposit 81.36%

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