HNB National Bank: how it compares with its peers
Against 40 MO banks with half to twice its assets, HNB National Bank's strongest measure in Q2 2026 is return on assets (2.66% vs. a 1.59% peer median). Its weakest relative measure is assets per employee ($7.6M vs. $7.9M).
| Measure | HNB National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.66% | 1.59% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.41% | 4.12% | Top third Ahead of 75% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 41.77% | 56.07% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $7.9M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.15% | 91.69% | Context |
What it means for lending operations
Its efficiency ratio of 41.77% is better than the 56.07% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Cass Commercial Bank Des Peres, MO · $1.33B
- Wood & Huston Bank Marshall, MO · $1.23B
- SULLIVAN BANK Sullivan, MO · $1.40B
- Southwest Missouri Bank Carthage, MO · $1.21B
- Montgomery Bank Sikeston, MO · $1.18B
- Mid America Bank Jefferson City, MO · $1.18B
Questions about HNB National Bank
How big is HNB National Bank?
HNB National Bank, established in 1888, is headquartered in Hannibal, MO. It reported $1.31B in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is HNB National Bank's return on assets?
2.66% annualized in Q2 2026, against a 1.59% median for 40 MO banks with half to twice its assets, ahead of 98% of them.
What is HNB National Bank's efficiency ratio?
41.77% in Q2 2026: it spent about 42 cents in noninterest expense for each dollar of revenue. The peer median is 56.07%, and lower is better.
Is HNB National Bank growing its loans?
Net loans grew 36.5% over the year to Q2 2026, while deposits grew 38.7%.
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 MO 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 Missouri bank ranked.