TellerScore

Headquartered in Headland, Alabama, HNB First Bank is a state-chartered bank with $282.4M in total assets and $253.7M in deposits as of Q2 2026. It operates 4 offices across 2 states. Its charter dates back to 1933.

HNB First Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 68th. Problem-loan coverage contributes the most (89/100, 5.7%); capital cushion contributes the least (45/100, 9.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.53%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.63%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 87.0% · 29.9% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.66%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 64).

TellerScore
637077Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202477
Q4 202476
Q1 202568
Q2 202563
Q3 202570
Q4 202566
Q1 202663
Q2 202664
Tier 1 leverage ratio
5.00%7.65%10.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.84%
Q3 202410.29%
Q4 20249.87%
Q1 20259.84%
Q2 20259.73%
Q3 20259.74%
Q4 20259.20%
Q1 20269.23%
Q2 20269.53%
Noncurrent loans
0.01%0.59%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.01%
Q4 20240.08%
Q1 20250.68%
Q2 20251.16%
Q3 20250.47%
Q4 20250.46%
Q1 20260.43%
Q2 20260.63%
Return on assets
1.00%1.23%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.24%
Q3 20241.37%
Q4 20241.46%
Q1 20251.25%
Q2 20251.42%
Q3 20251.40%
Q4 20251.26%
Q1 20261.00%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$282.4M9.53%0.63%1.15%87.0%
Q1 202663$280.6M9.23%0.43%1.00%86.8%
Q4 202566$285.1M9.20%0.46%1.26%79.4%
Q3 202570$283.4M9.74%0.47%1.40%76.6%
Q2 202563$257.3M9.73%1.16%1.42%79.9%
Q1 202568$249.4M9.84%0.68%1.25%75.9%
Q4 202476$240.4M9.87%0.08%1.46%77.6%
Q3 202477$233.6M10.29%0.01%1.37%80.0%
Q2 202474$230.3M9.84%0.01%1.24%78.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.53%
22nd
Total risk-based capital0.00%
24th
Problem loans0.63%
40th
Net charge-offs0.01%
49th
Return on assets1.15%
44th
Net interest margin4.39%
75th
Efficiency ratio65.9%
40th
Loans to deposits87.0%
33rd
Uninsured deposits29.9%
28th
Loan-loss reserves1.29%
61st
Texas ratio5.7%
32nd

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
22nd State Banking CompanyBank Mobile, AL41 out of 100, Below average$292.2M11.1%3.39%vs
The Citizens Bank of WinfieldBank Winfield, AL83 out of 100, Strong$301.3M17.5%0.26%vs
Liberty BankBank Geraldine, AL81 out of 100, Strong$258.6M11.3%0.15%vs
Farmers and Merchants BankBank Lafayette, AL70 out of 100, Strong$307.6M11.6%0.98%vs
Farmers and Merchants BankBank Piedmont, AL75 out of 100, Strong$308.7M12.7%0.78%vs
First Financial BankBank Bessemer, AL61 out of 100, Moderate$248.1M10.7%1.52%vs

Deposit insurance

Is my money safe at HNB First Bank?

Yes. HNB First Bank is an FDIC-insured institution (FDIC certificate #2805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.9% of deposits ($75.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.53%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

HNB First Bank lists 4 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, HNB First Bank reported 113 home-loan applications under HMDA (LEI 254900VH8KY0194IAU87): 81 originated ($10,945,000 total), 15 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
HNB First Bank
Former names
The Headland National Bank
Type
State-chartered bank
FDIC certificate #
2805
RSSD ID
117038
Primary regulator
FDIC
Holding company
Hnb Holding Co Inc
Established
August 16, 1933
Headquarters
40 S Main St, Headland, AL 36345
Employees
51

Quick answers

HNB First Bank: common questions

Is HNB First Bank FDIC insured?

Yes. HNB First Bank is an FDIC-insured institution (FDIC certificate #2805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is HNB First Bank's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has HNB First Bank ever failed?

There is no failure record for FDIC certificate #2805 in the FDIC failed bank list.

How many branches does HNB First Bank have?

4 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Headland

InstitutionScoreAssetsCapitalProblem loansCompare
Friend BankBank Slocomb, AL85 out of 100, Very strong$221.0M13.5%0.48%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs
BankSouthBank Dothan, AL84 out of 100, Strong$221.5M19.1%0.02%vs
Georgia Community BankBank Albany, GA78 out of 100, Strong$375.0M13.7%1.25%vs
The First National Bank of HartfordBank Hartford, AL75 out of 100, Strong$173.0M12.9%1.19%vs
Five Star Credit UnionCredit union Dothan, AL72 out of 100, Strong$1.3B13.8%1.50%vs