C
HNB First Bank
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings HNB First Bank
Headland, AL
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Rating C
Asset Quality Index 7.20
Capitalization Index 7.30
Liquidity Index 1.40
Profitability Index 5.60
Stability Index 5.00
Company Info HNB First Bank
Headland, AL
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FDIC Number 2805
Phone Number (334) 693-3352
Website www.hnbfirst.com
Asset Quality HNB First Bank
Headland, AL
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1-Year Asset Growth 18.60%
5-Year Asset Growth 9.74%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.15%
Non-Performing Assets to Assets 0.71%
Non-Performing Loans to Capital 3.36%
Non-Performing Loans to Loans 0.46%
Balance Sheet HNB First Bank
Headland, AL
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Total Assets 285.11M
Total Deposits 257.01M
Capital and Reserves HNB First Bank
Headland, AL
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Capital 25.32M
Leverage Ratio 9.21
Loan Loss Reserves to Loans 1.03%
Risk-Based Capital Ratio --
Liquidity HNB First Bank
Headland, AL
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Hot Money Ratio 33.02%
Liquidity Ratio 16.72%
Profitability HNB First Bank
Headland, AL
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5-Year Return on Average Assets 1.44%
Net Income 3.32M
Net Interest Spread 4.16%
Operating Profit to Average Assets 1.32%
Overhead Efficiency Ratio 66.81%
Return on Assets 1.26%
Return on Equity 14.07%