HNB National Bank
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Data as of · sourced from FFIEC call reports. How we update
HNB National Bank is an FDIC-insured commercial bank headquartered in Hannibal, MO, established in 1888 (FDIC certificate 4540), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.31B, up 36.8% from Q2 2025, the 27th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.72% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4540
- Headquarters
- Hannibal, MO
- Established
- 1888
- Total assets, Q2 2026
- $1.31B
- Assets vs Q2 2025
- +36.8%
- Tier 1 leverage ratio, Q2 2026
- 9.72%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 081500480
- Latest call report
- Q2 2026, FFIEC 051 · HNB National Bank call report
- Holding company
- HNB BANCORP, INC.
- Asset rank in state
- 27th of 191 in Missouri
HNB National Bank is one of the more profitable banks of its size. The Hannibal, Missouri bank had $1.3 billion in assets at June 30, 2026, up 36.8% from a year earlier. It earns about $2.50 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $8.2 million, 38% above the same quarter a year earlier.
As of June 30, 2026, HNB National Bank reported a return on assets of 2.50%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.39%. The figures come from its call report filed with the FFIEC.
HNB National Bank ranks as the 27th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 32.0% to $1.31B, loans rose 27.7% and deposits rose 33.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 29.0% of total loans, ahead of farmland and other real estate loans at 16.0%. The FDIC Summary of Deposits lists 17 offices for it, in 13 cities in MO; its Kearney 2 offices book 25% of its branch deposits. On its Q2 2026 call report, HNB National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 N Main St, Hannibal, MO 63401
- County
- Marion
- Metro Area
- Hannibal, MO
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1888
- Domestic offices
- 17 FDIC institution directory, current count
- Employees (FTE)
- 173
- Domestic deposits
- $1.16B
- Allowance for credit losses
- $9.9M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $1.32B
- Average total loans
- $865.9M
- Average interest-bearing deposits
- $1.01B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4540
- Fed RSSD
- 908553
- Website
- www.hnbbanks.com →
- Parent Holding Company
- HNB BANCORP, INC. (RSSD 5558672)
- Ultimate Parent
- R. DEAN PHILLIPS BANK TRUST DATED 11-19-2004 (RSSD 5558681)
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 National 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 National Bank's total assets ran between $836.4M (Q3 2023) and $1.31B (Q2 2026), 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
$1.31B total assets against $961.0M; $1.17B total liabilities against $852.8M.
$862.3M net loans and leases against $631.6M; $1.16B total deposits against $838.6M.
$279.2M securities against $192.6M; $88.7M cash and balances due against $81.8M.
$17.4M total interest income against $13.3M; $4.6M total interest expense against $4.1M.
$12.8M net interest income against $9.2M.
$2.3M total noninterest income against $1.7M; $6.9M total noninterest expense against $4.8M.
$0 provision for credit losses against $125K.
$8.2M net income against $6.0M.
2.50% return on assets against 2.47%; 4.13% net interest margin against 4.04%.
9.72% tier 1 leverage ratio against 11.62%.
Inside the full HNB National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHNB National Bank rankings
Its closest position to the top of a national ranking is 161 of 3,611, for ROA; its furthest is 899 of 980, for uninsured deposits.
Metric pages for HNB National Bank: ROA, Efficiency ratio.
Banks merged into HNB National Bank
- Kearney Trust Company, effective April 23, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.09% (Q3 2024) to 2.57% (Q1 2026) and its net interest margin ran from 3.84% (Q1 2025) to 4.18% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.72% | 2.50% | 0.06% | 0.39% | 4.13% |
| Q1 2026 | 12.60% | 2.57% | 0.04% | 0.25% | 4.18% |
| Q4 2025 | 12.11% | 2.53% | 0.06% | 0.38% | 4.18% |
| Q3 2025 | 11.97% | 2.53% | 0.06% | 1.28% | 4.06% |
| Q2 2025 | 11.62% | 2.47% | 0.18% | 1.03% | 4.04% |
| Q1 2025 | 11.65% | 2.29% | 0.20% | 1.17% | 3.84% |
| Q4 2024 | 11.79% | 2.17% | 0.06% | 0.37% | 3.91% |
| Q3 2024 | 11.50% | 2.09% | 0.06% | 0.36% | 3.87% |
Swipe the table sideways to see every column.
Branch Network
View all 17 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 |
|---|---|---|---|
| Kearney Trust Company Branch | Kearney , MO | 64060 | $290.4M |
| Perry State Bank Branch | Perry , MO | 63462 | $137.3M |
| HNB National Bank (main office) | Hannibal , MO | 63401 | $122.0M |
| North Branch | Hannibal , MO | 63401 | $105.3M |
| Stanberry Branch | Stanberry , MO | 64489 | $85.0M |
| The Mercantile Bank of Louisiana, Missouri Branch | Louisiana , MO | 63353 | $81.3M |
| Savannah Branch | Savannah , MO | 64485 | $75.7M |
| Monroe City Branch | Monroe City , MO | 63456 | $60.3M |
| Perry State Bank | Bowling Green , MO | 63334 | $41.1M |
| Hnb-Wentzville Branch | Wentzville , MO | 63385 | $36.8M |
| Hnb Bank Branch | Troy , MO | 63379 | $35.0M |
| Riverside Branch | Saint Joseph , MO | 64507 | $31.3M |
| Palmyra Branch | Palmyra , MO | 63461 | $25.2M |
| Shinn Lane Branch | Hannibal , MO | 63401 | $20.0M |
| Wal-Mart Branch | Hannibal , MO | 63401 | $10.7M |
| Price Chopper Location | Kearney , MO | 64060 | $3.7M |
| North Belt Branch | Country Club , MO | 64506 | $1.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 23, 2026 | Structure Change | Acquired Kearney Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 22, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2023 | Structure Change | Acquired The Mercantile Bank of Louisiana, Missouri Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 30, 2016 | Structure Change | Acquired Farmers State Bank Stanberry Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 5, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 5, 2008 | Structure Change | Acquired Perry State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MO, rank 36 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 499 applications, 436 loans originated, $93.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $130K approved, $43K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 National Bank
What are HNB National Bank's total assets?
As of the Q2 2026 filing, HNB National Bank reported total assets of $1.31 billion in its FFIEC call report.
Where is HNB National Bank headquartered?
It is headquartered in Hannibal, MO, United States.
When was HNB National Bank founded?
It was established in 1888, per the FDIC institution directory.
Is HNB National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4540). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates HNB National Bank?
HNB National Bank's primary federal regulator is the OCC.
How many branches does HNB National Bank operate?
It operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is HNB National Bank's Texas Ratio?
Its Texas Ratio is 0.39% 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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