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Hnb First Bank
Headland, AL · FDIC Certificate #2805 · Chartered 08/1
Total assets
$282.41M
Total deposits
$253.71M
Total equity
$25.75M
Net loans
$220.70M
Branches (offices)
4
Net income (YTD)
$1.63M
Rank: #2,557 of 4,213 U.S. banks by assets · #52 of 93 in Alabama. Assets changed 9.7% and deposits 9.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.15% |
| Return on equity | 12.86% |
| Net interest margin (YTD) | 4.39% |
| Equity to assets | 9.12% |
| Tier 1 leverage ratio | 9.53% |
| Uninsured deposits (share of deposits) | 29.9% |
| Noncurrent loans (share of loans) | 0.63% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 87.0% |
| Real estate loans (share of loans) | 70.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $155.72M | 70.6% | |
| Commercial & industrial | $27.98M | 12.7% | |
| Consumer / individual | $10.92M | 4.9% | |
| Construction & development | $36.37M | 16.5% | |
| Agricultural | $24.19M | 11.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $215.55M | $196.29M | $1.18M | $17.82M |
| Jun 2023 | $213.68M | $191.79M | $1.88M | $19.68M |
| Jun 2024 | $230.32M | $206.92M | $1.42M | $20.93M |
| Jun 2025 | $257.33M | $230.84M | $1.77M | $23.57M |
| Jun 2026 | $282.41M | $253.71M | $1.63M | $25.75M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $242.34M | 3 |
| Florida | $11.37M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $253.71M.
Similar-sized banks
First Federal Savings Bank Of Kentucky ($282.64M) · Fnb Picayune Bank ($282.26M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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