HNB National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks HNB National Bank of Hannibal, MO against its peer group of 931 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 | 2.50% | 1.43% | +1.07% | 96th top |
| ROAE | 24.84% | 12.49% | +12.35% | 95th top |
| Net Interest Margin | 4.13% | 3.84% | +0.29% | 76th top |
| Efficiency Ratio | 41.11% | 58.89% | -17.78% | 92nd top |
| PPNR / Avg Assets | 2.50% | 1.78% | +0.72% | 88th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.60% | 5.71% | -0.11% | 54th above |
| Cost of Funds | 1.57% | 2.03% | -0.46% | 77th top |
| Net Interest Spread | 3.45% | 3.18% | +0.27% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.97% | -0.87% | 88th top |
| NPA / Total Assets | 0.07% | 0.75% | -0.68% | 90th top |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 88th top |
| ACL / Total Loans | 1.14% | 1.25% | -0.11% | 48th below |
| ACL / NPLs (Coverage) | 1092.41% | 698.40% | +394.01% | — |
| Texas Ratio | 0.72% | 7.17% | -6.45% | 90th top |
| Provision / NCO | 2500.00% | 812.27% | +1687.73% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.72% | 11.60% | -1.88% | 29th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.94% | 11.33% | -0.39% | 59th above |
| TCE / Tangible Assets | 9.07% | 10.65% | -1.58% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.00% | 86.36% | -11.36% | 78th top |
| Core Deposit Ratio | 91.58% | 85.55% | +6.03% | 65th above |
| Uninsured Deposit Ratio | 14.19% | 32.73% | -18.54% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 36.77% | 10.43% | +26.34% | 96th top |
| Loan Growth (Y/Y) | 36.60% | 7.96% | +28.64% | 96th top |
| Deposit Growth (Y/Y) | 38.68% | 7.95% | +30.73% | 96th top |
See HNB National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock HNB National 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 National Bank profile, how to read a UBPR, or how this data updates.