C
HNB First Bank
Rating Date
October 2025
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 8.10
Liquidity Index 1.90
Profitability Index 6.30
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 21.32%
5-Year Asset Growth 9.38%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.75%
Non-Performing Loans to Capital 3.36%
Non-Performing Loans to Loans 0.47%
Balance Sheet HNB First Bank
Headland, AL
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Total Assets 283.39M
Total Deposits 255.78M
Capital and Reserves HNB First Bank
Headland, AL
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Capital 24.62M
Leverage Ratio 9.74
Loan Loss Reserves to Loans 1.06%
Risk-Based Capital Ratio --
Liquidity HNB First Bank
Headland, AL
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Hot Money Ratio 31.56%
Liquidity Ratio 20.20%
Profitability HNB First Bank
Headland, AL
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5-Year Return on Average Assets 1.44%
Net Income 2.71M
Net Interest Spread 4.15%
Operating Profit to Average Assets 1.49%
Overhead Efficiency Ratio 63.30%
Return on Assets 1.42%
Return on Equity 15.62%