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Hnb National Bank
Hannibal, MO · FDIC Certificate #4540 · Chartered 01/0
Total assets
$1.31B
Total deposits
$1.16B
Total equity
$143.84M
Net loans
$862.27M
Branches (offices)
17
Net income (YTD)
$14.52M
Rank: #840 of 4,213 U.S. banks by assets · #27 of 190 in Missouri. Assets changed 36.8% and deposits 38.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.66% |
| Return on equity | 22.82% |
| Net interest margin (YTD) | 4.41% |
| Equity to assets | 10.94% |
| Tier 1 leverage ratio | 9.72% |
| Uninsured deposits (share of deposits) | 14.2% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 74.1% |
| Real estate loans (share of loans) | 82.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $709.85M | 82.3% | |
| Commercial & industrial | $55.00M | 6.4% | |
| Consumer / individual | $13.22M | 1.5% | |
| Construction & development | $92.86M | 10.8% | |
| Agricultural | $92.37M | 10.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $671.24M | $605.39M | $6.30M | $62.80M |
| Jun 2023 | $692.51M | $616.74M | $6.81M | $73.01M |
| Jun 2024 | $894.84M | $768.44M | $7.88M | $89.80M |
| Jun 2025 | $960.97M | $838.58M | $11.31M | $108.20M |
| Jun 2026 | $1.31B | $1.16B | $14.52M | $143.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $1.16B | 17 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.16B.
Similar-sized banks
Farmers State Bank ($1.31B) · Fidelity Co-Operative Bank ($1.31B)
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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