HNB First Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks HNB First Bank of Headland, AL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.31% | 1.34% | -0.03% | 53rd above |
| ROAE | 14.53% | 13.31% | +1.22% | 63rd above |
| Net Interest Margin | 4.41% | 3.93% | +0.48% | 75th top |
| Efficiency Ratio | 59.81% | 61.14% | -1.33% | 55th above |
| PPNR / Avg Assets | 2.23% | 1.68% | +0.55% | 81st top |
| Yield on Earning Assets | 6.29% | 5.67% | +0.62% | 80th top |
| Cost of Funds | 1.99% | 1.88% | +0.11% | 38th below |
| Net Interest Spread | 3.82% | 3.32% | +0.50% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.44% | 0.94% | -0.50% | 48th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.42% | 0.70% | -0.28% | 42nd below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 76th top |
| ACL / Total Loans | 1.29% | 1.28% | +0.01% | 61st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 293.27% | 1539.05% | -1245.78% | 59th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.66% | 7.33% | -1.67% | 37th below |
| Provision / NCO | 9412.50% | 1392.15% | +8020.35% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.53% | 12.14% | -2.61% | 22nd bottom |
| Equity / Assets | 9.12% | 11.37% | -2.25% | 29th below |
| TCE / Tangible Assets | 9.12% | 11.09% | -1.97% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.12% | 80.63% | +7.49% | 32nd below |
| Core Deposit Ratio | 80.57% | 86.86% | -6.29% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.75% | 6.85% | +2.90% | 82nd top |
| Loan Growth (Y/Y) | 19.98% | 7.90% | +12.08% | 92nd top |
| Deposit Growth (Y/Y) | 9.91% | 6.29% | +3.62% | 82nd top |
See HNB First Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock HNB First Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full HNB First Bank profile, how to read a UBPR, or how this data updates.