HNB First Bank: how it compares with its peers
Against 43 AL banks with half to twice its assets, HNB First Bank's strongest measure in Q2 2026 is net interest margin (4.39% vs. a 4.14% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $6.0M).
| Measure | HNB First Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.15% | 1.15% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.39% | 4.14% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.91% | 63.69% | Middle third Ahead of 42% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $6.0M | Middle third Ahead of 37% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.99% | 67.98% | Context |
What it means for lending operations
Its efficiency ratio of 65.91% is above the 63.69% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- 22nd State Banking Company Mobile, AL · $292M
- The Citizens Bank of Winfield Winfield, AL · $301M
- Liberty Bank Geraldine, AL · $259M
- Farmers and Merchants Bank Lafayette, AL · $308M
- Farmers and Merchants Bank Piedmont, AL · $309M
- First Financial Bank Bessemer, AL · $248M
Questions about HNB First Bank
How big is HNB First Bank?
HNB First Bank, established in 1933, is headquartered in Headland, AL. It reported $282M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is HNB First Bank's return on assets?
1.15% annualized in Q2 2026, against a 1.15% median for 43 AL banks with half to twice its assets, ahead of 51% of them.
What is HNB First Bank's efficiency ratio?
65.91% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 63.69%, and lower is better.
Is HNB First Bank growing its loans?
Net loans grew 19.7% over the year to Q2 2026, while deposits grew 9.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.