HNB National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 32.37 percentage points higher than in Q1 2026, at 162.79%. Within Missouri, HNB National Bank is 135th of 192 on loan-to-deposit ratio, 75.00% as of Q2 2026, below the middle of the field. HNB National Bank reported 75.00% on loan-to-deposit ratio for Q2 2026, 13.20 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $872.2M |
| Net loans and leases | $862.3M |
| Loans held for sale | $411K |
| Loans to total assets | 66.36% |
| Loan-to-deposit ratio | 75.00% |
| Net loans to equity capital | 5.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.40% |
| Multifamily (5+ residential) | 2.32% |
| Commercial and industrial | 6.31% |
| Consumer | 1.52% |
| Credit cards | 0.00% |
| Farm | 15.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 162.79% |
| Construction concentration (Tier 1 capital + allowance) | 68.52% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.56% |
| Interest income on loans | $14.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $551.0M | $744.3M | 23.04% | 6.83% | 2.00% |
| Q4 2023 | $584.9M | $730.4M | 22.05% | 7.98% | 1.73% |
| Q1 2024 | $589.9M | $739.7M | 21.70% | 7.73% | 1.58% |
| Q2 2024 | $615.2M | $768.4M | 21.71% | 8.44% | 1.54% |
| Q3 2024 | $634.3M | $790.5M | 22.07% | 6.65% | 1.71% |
| Q4 2024 | $647.9M | $796.0M | 21.00% | 6.06% | 1.40% |
| Q1 2025 | $644.6M | $834.8M | 21.00% | 7.15% | 1.26% |
| Q2 2025 | $638.5M | $838.6M | 21.94% | 6.26% | 1.32% |
| Q3 2025 | $650.1M | $838.1M | 22.13% | 5.40% | 1.23% |
| Q4 2025 | $689.5M | $847.5M | 21.10% | 6.57% | 1.16% |
| Q1 2026 | $683.2M | $868.4M | 21.69% | 6.69% | 1.10% |
| Q2 2026 | $872.2M | $1.16B | 23.40% | 6.31% | 1.52% |
HNB National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock HNB National Bank, freeSource: Call Report Schedule RC-C, 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4540) · FFIEC NIC profile (RSSD 908553)