FDIC Cert #2805 · Headland, Alabama · Est. 1933

HNB First Bank - FDIC Bank Health Profile

A community-scale look at HNB First Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$285M
Total assets
B
Health grade · Good
1.26%
Return on assets
9.2%
Tier 1 capital

Data updated July 2026

The verdict

HNB First Bank earns a PlainBankData health grade of B (66/100), with 9.20% Tier 1 capital, profitable at 1.26% ROA, 67% efficiency ratio.

#2,570
largest of 4,313 FDIC banks by assets
40th
percentile by asset size, nationally
9.20%
Tier 1 ratio - below the 10% well-capitalized line
61st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 2805 · AL B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3443/4307
  • PHOTO-FINISH Farmers Bank and Tru… · KY
  • TIER1-ADEQ 9.2% Tier 1
  • TEXAS-CLEAN 3.5% Texas
  • ROA-STRONG 1.26% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: Farmers Bank and Trust Company, KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around HNB First Bank

Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Buffalo · KY · near66/100Farmers Bank and Tru… · KY ·…66/100HNB First Bank · AL · this b…66/100The First National B… · KY ·…66/100The National Grand B… · MA ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around HNB First Bank · July 2026

What HNB First Bank's Call Report plate shows

HNB First Bank (FDIC Cert #2805) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,443 of 4,307. Tier 1 capital prints at 9.20%, missing the 10% well-capitalized line. The Texas Ratio is 3.48%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.26%. Balance-sheet scale is $285M, 2,570th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers Bank and Trust Company (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around HNB First Bank

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

HNB First Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; HNB First Bank remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.

How HNB First Bank's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
HNB First Bank's composite health score
Tier 1 Capital Ratio (9.20%) 18/40
Return on Assets (ROA) (1.26%) 20/25
Texas Ratio (3.48%) 20/20
Efficiency Ratio (66.81%) 8/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$285M

Total balance-sheet footings

Total Deposits

$257M

Customer-funded liabilities

Net Loans

$204M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.8% 9.2% 10.6%
Basel III capital ratios - HNB First Bank

Where HNB First Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. HNB First Bank's score of 66/100 falls in the highlighted band.

HNB First Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 20th percentile higher than 20% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. HNB First Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

HNB First Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). HNB First Bank's $285M falls in the highlighted band.

Safety ratios for HNB First Bank

Tier 1 capital ratio
Well-capitalized 10%

9.20% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.20%
Texas Ratio
3.48%
Equity Capital
$25M

What these ratios mean →

Earnings posture at HNB First Bank

Return on Assets (ROA)
61st percentile nationally
1.26%
Return on Equity (ROE)
14.08%
Efficiency Ratio
66.81%

What these mean →

Income & expense at HNB First Bank

$15M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. HNB First Bank reports a Texas Ratio of 3.48% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.48% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View HNB First Bank on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

Top 5 banks in Alabama ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($285M here), outside Alabama so the neighborhood is not state containment.

The First Security Bank $285M · OK Bank of Montana $285M · MT First Security Bank of Nevada $285M · NV Reliance State Bank $285M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) HNB First Bank (FDIC Cert #2805) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

HNB First Bank Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
Regions BankBirmingham $157.4B A 1.43%
ServisFirst BankBirmingham $17.7B A 1.58%
River Bank & TrustPrattville $3.8B A 1.18%
Bank IndependentSheffield $3.0B B 1.01%
Bryant BankTuscaloosa $2.9B A 1.69%
CB&S Bank, Inc.Russellville $2.9B C 0.85%
Oakworth Capital BankBirmingham $2.0B B 1.17%
Troy Bank & Trust CompanyTroy $1.6B A 1.34%