HNB National 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 50.52 percentage points in Q2 2026, from 1041.89% to 1092.41%. It was the largest change from Q1 2026 among the key lines here. Among 192 Missouri banks, HNB National Bank sits 14th from the top on return on assets, 2.50% as of Q2 2026. HNB National Bank's return on assets of 2.50% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 1.22 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.72% |
| Equity capital to assets | 10.94% |
| Tangible equity to tangible assets | 9.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.72% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 1092.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.50% |
| Return on equity | 24.84% |
| Net interest margin | 4.13% |
| Efficiency ratio | 41.11% |
| Yield on earning assets | 5.60% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.00% |
| Core deposits to total deposits | 91.58% |
| Brokered deposits to total deposits | 4.52% |
| Deposits to assets | 88.48% |
| Securities to assets | 21.24% |
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 | 12.66% | 1.96% | 3.83% | 0.20% | -0.05% |
| Q4 2023 | 10.84% | 2.17% | 4.16% | 0.25% | -0.01% |
| Q1 2024 | 11.14% | 1.91% | 3.76% | 0.08% | -0.05% |
| Q2 2024 | 11.25% | 1.70% | 3.83% | 0.06% | 0.00% |
| Q3 2024 | 11.50% | 2.09% | 3.87% | 0.03% | -0.03% |
| Q4 2024 | 11.79% | 2.17% | 3.91% | 0.05% | 0.00% |
| Q1 2025 | 11.65% | 2.29% | 3.84% | 0.20% | 0.00% |
| Q2 2025 | 11.62% | 2.47% | 4.04% | 0.27% | 0.05% |
| Q3 2025 | 11.97% | 2.53% | 4.06% | 0.14% | -0.01% |
| Q4 2025 | 12.11% | 2.53% | 4.18% | 0.11% | -0.01% |
| Q1 2026 | 12.60% | 2.57% | 4.18% | 0.10% | 0.01% |
| Q2 2026 | 9.72% | 2.50% | 4.13% | 0.10% | -0.00% |
HNB National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock HNB National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4540) · FFIEC NIC profile (RSSD 908553)