HNB First Bank

BankHeadland, Alabama
www.hnbfirst.com

Total Assets

$285.1M

Total Deposits

$257.0M

Branches

4

Established

1933

TFS Health Grade

$
D+

68.5 / 100

Below average financial health

How we grade

HNB First Bank is a bank headquartered in Headland, Alabama, established in 1933. With $285.1M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D+ (68.5/100).

Capital & Safety

Tier 1 Capital Ratio
9.21%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.46%

Profitability

Return on Assets (ROA)
1.26%(1%)
Return on Equity (ROE)
14.08%(10%)
Net Interest Margin
4.20%
Efficiency Ratio
66.81%(60%)

Lending & Liquidity

Total Loans
$206.1M
Loan-to-Deposit Ratio
79.36%
Net Charge-Off Ratio
0.15%

Growth

Asset Growth (YoY)
+18.60%
Deposit Growth (YoY)
+19.49%
Net Income
$3.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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