HNB First Bank
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Data as of · sourced from FFIEC call reports. How we update
HNB First Bank is an FDIC-insured commercial bank headquartered in Headland, AL, established in 1933 (FDIC certificate 2805), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $282.4M, up 9.7% from Q2 2025, the 52nd largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.53% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2805
- Headquarters
- Headland, AL
- Established
- 1933
- Total assets, Q2 2026
- $282.4M
- Assets vs Q2 2025
- +9.7%
- Tier 1 leverage ratio, Q2 2026
- 9.53%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 062102030
- Holding company
- HNB HOLDING COMPANY, INC.
- Asset rank in state
- 52nd of 93 in Alabama
HNB First Bank, based in Headland, Alabama, reported $282 million in assets at June 30, 2026, up 9.7% from a year earlier. It grew its loan book 20.0% over the year, 3.7 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 9.53% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Loans are outrunning deposits: over the year loans rose 20.0% and deposits rose 9.9%. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.63% of loans from 1.16%. One more trend to watch: the commercial and industrial book ($28 million) is worsening: 1.30% of it is past due or on nonaccrual, up from 0.76% a year earlier.
As of June 30, 2026, HNB First Bank reported a return on assets of 1.31%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 5.66%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, HNB First Bank is the 52nd largest of the 93 banks headquartered in Alabama. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $282.4M, loans rose 0.8% and deposits rose 0.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 24.1% of total loans, ahead of construction and land development loans at 16.3%. The FDIC Summary of Deposits lists 4 offices for it, in Headland, AL, Abbeville, AL and Marianna, FL; its Headland 2 offices book 66% of its branch deposits. On its Q2 2026 call report, HNB First Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 40 S Main St, Headland, AL 36345
- County
- Henry
- Metro Area
- Dothan, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 16, 1933
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $253.7M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $282.4M
- Average total loans
- $221.7M
- Average interest-bearing deposits
- $202.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2805
- Fed RSSD
- 117038
- Website
- www.hnbfirst.com →
- Parent Holding Company
- HNB HOLDING COMPANY, INC. (RSSD 2081834)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, HNB First Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, HNB First Bank's total assets ran between $219.3M (Q3 2023) and $285.1M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$282.4M total assets against $257.3M; $256.7M total liabilities against $233.8M.
$220.7M net loans and leases against $184.4M; $253.7M total deposits against $230.8M.
$21.4M securities against $19.6M; $23.7M cash and balances due against $39.5M.
$4.2M total interest income against $3.8M; $1.3M total interest expense against $1.2M.
$2.9M net interest income against $2.6M.
$1.0M total noninterest income against $447K; $2.4M total noninterest expense against $1.9M.
$629K provision for credit losses against $111K.
$922K net income against $1.0M.
1.31% return on assets against 1.56%; 4.41% net interest margin against 4.26%.
9.53% tier 1 leverage ratio against 9.73%.
Inside the full HNB First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHNB First Bank rankings
Its closest position to the top of a national ranking is 1,192 of 3,640, for Texas Ratio; its furthest is 2,547 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.85% (Q4 2025) to 1.73% (Q4 2024) and its net interest margin ran from 3.86% (Q1 2025) to 4.41% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.53% | 1.31% | 0.63% | 5.66% | 4.41% |
| Q1 2026 | 9.23% | 1.00% | 0.43% | 7.13% | 4.25% |
| Q4 2025 | 9.21% | 0.85% | 0.46% | 7.36% | 4.20% |
| Q3 2025 | 9.74% | 1.43% | 0.47% | 8.04% | 4.30% |
| Q2 2025 | 9.73% | 1.56% | 1.16% | 8.48% | 4.26% |
| Q1 2025 | 9.84% | 1.25% | 0.68% | 4.74% | 3.86% |
| Q4 2024 | 9.87% | 1.73% | 0.08% | 0.60% | 4.20% |
| Q3 2024 | 10.29% | 1.67% | 0.01% | 0.07% | 4.37% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| HNB First Bank (main office) | Headland , AL | 36345 | $114.8M |
| Abbeville Branch | Abbeville , AL | 36310 | $74.3M |
| 431 Branch | Headland , AL | 36345 | $53.3M |
| Marianna Branch | Marianna , FL | 32446 | $11.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- November 9, 2010, OCC: Formal Agreement: The Headland National Bank
- Period: Most recent institution action November 9, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in AL, rank 71 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 113 applications, 81 loans originated, $10.9M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.0M approved, $2.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about HNB First Bank
What are HNB First Bank's total assets?
As of the Q2 2026 filing, HNB First Bank reported total assets of $282.4 million in its FFIEC call report.
Where is HNB First Bank headquartered?
It is headquartered in Headland, AL, United States.
When was HNB First Bank founded?
It was established in 1933, per the FDIC institution directory.
Is HNB First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates HNB First Bank?
HNB First Bank's primary federal regulator is the FDIC.
How many branches does HNB First Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is HNB First Bank's Texas Ratio?
Its Texas Ratio is 5.66% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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