TellerScore

HNB National Bank (FDIC certificate #4540) is based in Hannibal, Missouri. Its Q2 2026 call report shows $1.3B in total assets and $1.2B in deposits and 17 offices.

HNB National Bank has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 91% of its 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 39th. Earnings contributes the most (100/100, 2.66%); capital cushion contributes the least (47/100, 9.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.72%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.06%
Earnings100/100
Return on assets (annualized): 2.66%
Funding & liquidity86/100
Loans ÷ deposits and uninsured-deposit share: 74.1% · 14.2% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.32%

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

From Q2 2025 to Q2 2026, the score fell 5 points (86 → 81), mostly because the capital cushion component weakened by 19 points.

TellerScore
818690Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202485
Q4 202486
Q1 202585
Q2 202586
Q3 202588
Q4 202587
Q1 202690
Q2 202681
Tier 1 leverage ratio
5.00%8.80%12.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.25%
Q3 202411.50%
Q4 202411.79%
Q1 202511.65%
Q2 202511.62%
Q3 202511.97%
Q4 202512.11%
Q1 202612.60%
Q2 20269.72%
Noncurrent loans
0.04%0.12%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.12%
Q3 20240.06%
Q4 20240.06%
Q1 20250.20%
Q2 20250.18%
Q3 20250.06%
Q4 20250.06%
Q1 20260.04%
Q2 20260.06%
Return on assets
1.80%2.23%2.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.80%
Q3 20241.89%
Q4 20241.97%
Q1 20252.27%
Q2 20252.38%
Q3 20252.44%
Q4 20252.46%
Q1 20262.56%
Q2 20262.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$1.3B9.72%0.06%2.66%74.1%
Q1 202690$995.4M12.60%0.04%2.56%77.8%
Q4 202587$968.0M12.11%0.06%2.46%80.5%
Q3 202588$957.2M11.97%0.06%2.44%76.7%
Q2 202586$961.0M11.62%0.18%2.38%75.3%
Q1 202585$964.0M11.65%0.20%2.27%76.4%
Q4 202486$920.8M11.79%0.06%1.97%80.5%
Q3 202485$914.8M11.50%0.06%1.89%79.4%
Q2 202483$894.8M11.25%0.12%1.80%79.2%

897 peers · $1 billion – $10 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 ratio9.72%
29th
Total risk-based capital0.00%
13th
Problem loans0.06%
90th
Net charge-offs0.00%
76th
Return on assets2.66%
97th
Net interest margin4.41%
84th
Efficiency ratio41.8%
90th
Loans to deposits74.1%
78th
Uninsured deposits14.2%
92nd
Loan-loss reserves1.14%
48th
Texas ratio0.3%
92nd

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Cass Commercial BankBank Des Peres, MO83 out of 100, Strong$1.3B14.1%0.16%vs
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
Sullivan BankBank Sullivan, MO52 out of 100, Below average$1.4B8.8%1.45%vs
Southwest Missouri BankBank Carthage, MO68 out of 100, Moderate$1.2B8.7%0.25%vs
Montgomery BankBank Sikeston, MO70 out of 100, Strong$1.2B9.7%0.44%vs
Mid America BankBank Jefferson City, MO70 out of 100, Strong$1.2B10.8%0.89%vs

Deposit insurance

Is my money safe at HNB National Bank?

Yes. HNB National Bank is an FDIC-insured institution (FDIC certificate #4540). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.2% of deposits ($165.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.72%, 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

17 locations

Branches

HNB National Bank lists 17 offices in 13 cities. Most locations:

  • Hannibal, MO (4)
  • Kearney, MO (2)
  • Bowling Green, MO (1)
  • Country Club, MO (1)
  • Louisiana, MO (1)
  • Monroe City, MO (1)
  • Palmyra, MO (1)
  • Perry, MO (1)
  • Saint Joseph, MO (1)
  • Savannah, MO (1)
  • Stanberry, MO (1)
  • Troy, MO (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, HNB National Bank reported 499 home-loan applications under HMDA (LEI 549300P8K0GPRS1CUS51): 436 originated ($93,620,000 total), 31 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.2%, 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 National Bank
Former names
The Hannibal National Bank
Type
National bank
FDIC certificate #
4540
RSSD ID
908553
Primary regulator
OCC
Holding company
R Dean Phillips Bk Tr Dated 11-19-2004
Established
January 1, 1888
Headquarters
100 N Main St, Hannibal, MO 63401
Employees
173

Quick answers

HNB National Bank: common questions

Is HNB National Bank FDIC insured?

Yes. HNB National Bank is an FDIC-insured institution (FDIC certificate #4540). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is HNB National Bank's TellerScore?

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

Has HNB National Bank ever failed?

There is no failure record for FDIC certificate #4540 in the FDIC failed bank list.

How many branches does HNB National Bank have?

17 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hannibal

InstitutionScoreAssetsCapitalProblem loansCompare
Members "first" Community Credit UnionCredit union Quincy, IL92 out of 100, Very strong$111.6M25.4%0.03%vs
Town & Country Bank MidwestBank Quincy, IL92 out of 100, Very strong$279.3M14.9%0.15%vs
Farmers State BankBank Pittsfield, IL88 out of 100, Very strong$339.8M15.0%0.23%vs
Liberty BankBank Liberty, IL86 out of 100, Very strong$193.9M12.2%0.14%vs
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Western Illinois School Employees Credit UnionCredit union Quincy, IL83 out of 100, Strong$24.0M16.1%0.17%vs