HNB First Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 58.33 percentage points in Q2 2026, from 234.94% to 293.27%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, HNB First Bank is 31st of 93 on return on assets, 1.31% as of Q2 2026, above the middle of the field. HNB First Bank reported 1.31% on return on assets for Q2 2026, 0.05 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.53% |
| Equity capital to assets | 9.12% |
| Tangible equity to tangible assets | 9.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.42% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.66% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 293.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 14.53% |
| Net interest margin | 4.41% |
| Efficiency ratio | 59.81% |
| Yield on earning assets | 6.29% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.12% |
| Core deposits to total deposits | 80.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.84% |
| Securities to assets | 7.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.50% | 1.78% | 4.25% | 0.03% | -0.00% |
| Q4 2023 | 9.70% | 0.42% | 4.26% | 0.02% | -0.01% |
| Q1 2024 | 9.55% | 0.82% | 4.05% | 0.02% | -0.01% |
| Q2 2024 | 9.84% | 1.65% | 4.24% | 0.01% | 0.00% |
| Q3 2024 | 10.29% | 1.67% | 4.37% | 0.01% | 0.03% |
| Q4 2024 | 9.87% | 1.73% | 4.20% | 0.08% | 0.18% |
| Q1 2025 | 9.84% | 1.25% | 3.86% | 0.65% | 0.31% |
| Q2 2025 | 9.73% | 1.56% | 4.26% | 1.06% | 0.00% |
| Q3 2025 | 9.74% | 1.43% | 4.30% | 0.47% | 0.05% |
| Q4 2025 | 9.21% | 0.85% | 4.20% | 0.46% | 0.26% |
| Q1 2026 | 9.23% | 1.00% | 4.25% | 0.43% | 0.02% |
| Q2 2026 | 9.53% | 1.31% | 4.41% | 0.44% | -0.00% |
HNB First Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock HNB First Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full HNB First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2805) · FFIEC NIC profile (RSSD 117038)