BlastPoint's Banking Scorecard
HNB National Bank
Community
Specialty: Agricultural
MO
FDIC cert 4540
Hannibal, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
HNB National Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 6% in Community
- + Credit Quality Leader: Top 29% in Community
- + Efficiency Ratio 20.10% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2% in Community
- - Credit Risk Growth: Bottom 21% in Community
- - Capital Thin: Bottom 49% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$968.0M
+5.1% YoY
+1.1% QoQ
|
-$423.5M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$682.2M
+6.4% YoY
+6.1% QoQ
|
-$293.2M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$847.5M
+6.5% YoY
+1.1% QoQ
|
-$317.1M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
2.46%
+25.0% YoY
+0.9% QoQ
|
+1.29% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.08%
+5.3% YoY
+1.1% QoQ
|
+0.42% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
42.53%
-14.9% YoY
-1.0% QoQ
|
-20.10% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.06%
+10.9% YoY
+13.4% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
80.50%
-0.0% YoY
+4.9% QoQ
|
-2.56% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
14.94%
-0.8% YoY
+4.1% QoQ
|
-6.11% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.05%
+12.3% YoY
-70.1% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.73%
+5.4% YoY
+32.0% QoQ
|
-0.01% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#22 of 371 · Top 6% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.46%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Credit Quality Leader
growth
#110 of 371 · Top 29% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 6%
in Community
Why this stands out
Current:
42.53%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (3)
Credit Quality Pressure
risk
#21 of 808 · Bottom 2% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#136 of 642 · Bottom 21% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Capital Thin
risk
#214 of 432 · Bottom 49% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Return on Assets
Current: 2.46% · Tier avg: 1.16%
94
94th pctile
Efficiency Ratio
Current: 42.53% · Tier avg: 62.63%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
73
73th pctile
Net Interest Margin
Current: 4.08% · Tier avg: 3.66%
73
73th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.74%
61
61th pctile
Loan-to-Deposit Ratio
Current: 80.50% · Tier avg: 83.06%
51
51th pctile
Total Deposits
Current: $847.5M · Tier avg: $1.2B
48
48th pctile
Total Loans
Current: $682.2M · Tier avg: $975.5M
48
48th pctile
Total Assets
Current: $968.0M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.94% · Tier avg: 21.05%
Top Weaknesses
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.94% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
48
48th pctile
Total Assets
Current: $968.0M · Tier avg: $1.4B
48
48th pctile
Total Loans
Current: $682.2M · Tier avg: $975.5M
51
51th pctile
Total Deposits
Current: $847.5M · Tier avg: $1.2B
61
61th pctile
Loan-to-Deposit Ratio
Current: 80.50% · Tier avg: 83.06%
73
73th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.74%
73
73th pctile
Net Interest Margin
Current: 4.08% · Tier avg: 3.66%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
94
94th pctile
Efficiency Ratio
Current: 42.53% · Tier avg: 62.63%
97
97th pctile
Return on Assets
Current: 2.46% · Tier avg: 1.16%