# HNB FIRST BANK
HEADLAND, AL · FDIC certificate 2805 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $282.4M | |
| Deposits | $253.7M | |
| Loans and leases | $223.6M | |
| Total equity | $25.7M | |
| Loans / deposits | 86.99% (p74 of band) | 73.59% |
| Liquid assets / assets | 15.96% (p13 of band) | |
| Uninsured deposits / deposits | 29.89% (p81 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.53% (p18 of band) | 11.76% |
| Unrealized securities loss / equity | -4.83% (p58 of band) | -6.57% |
| AOCI / equity | -0.71% (p36 of band) | |
| ROA (annualized) | 1.15% (p49 of band) | 1.17% |
| Net interest margin | 4.39% (p72 of band) | 3.93% |
| Efficiency ratio | 65.91% (p50 of band) | |
| Noncurrent loans | 0.63% (p60 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p61 of band) | |
| Reserve coverage of noncurrent | 204.77% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 141.26% (p98 of band) | |
| Auto loans | $5.2M (2.34% of loans; DQ 3.25%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.9% | |
| Employees | 51 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 | noncurrent p90 |  |
| 2011-09 | 4 | losing money |  |
| 2011-12 | 4 | capital falling | noncurrent p90 |
| 2012-03 | 2 | noncurrent p90 | construction >100% equity, losing money, capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | construction >100% equity |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 | assets shrinking | noncurrent p90 |
| 2013-09 | 2 |  | construction >100% equity |
| 2013-12 | 1 |  | assets shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | noncurrent p90, charge-offs p90 |  |
| 2015-06 | 2 |  | noncurrent p90 |
| 2015-09 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | construction >100% equity |  |
| 2020-03 | 0 |  | construction >100% equity |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | construction >100% equity |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | construction >100% equity |
| 2023-12 | 2 | capital falling, construction >100% equity |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | capital falling, charge-offs p90 |  |
| 2025-06 | 3 | reserve under noncurrent | charge-offs p90 |
| 2025-09 | 1 |  | capital falling, reserve under noncurrent |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-09-18 [HNB First Bank in Headland temporarily closes - WTVY](https://news.google.com/rss/articles/CBMigAFBVV95cUxQNEdnUmxUbDh0OERTLXVEMHh6V0RfM3pDZjhzNGhOWXV3aHVWNjdUaksxSG1rTElidmNHTWxMNjd6aXJSNGJ0NWpLQ29aVkQ5SzRWb0ttZ1Z0QmdYVHdGYVVMV2JKMTd1cnNUbnY5T1RfVm5abmtEVjVzT2dNMmlGVdIBlAFBVV95cUxQZkZzMUZBRTdROWFWOXZ5V3Z1Zzl3djNsNFB4UEhSVWhIMnR4OWVvX1hvYVJ0V051aGF2UVhFTmZfSU50bkRvRDJJYUZ4S0liRmlxTHdHaDRxZlVBOTYzYWlkNG1laEt2bmVIbUJlWDdWU3dzN2VQRTJzY2s0VWVVQjl1cXo5TXlUX2dhanNCektBMnJl?oc=5) · WTVY
- 2026-08-23 [Jerry Bruce Snellgrove Obituary Aug 23, 2026 - wrightfuneralhomeandcrematory.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBIQnM1NFJIU3JhV2ZtcW1aNkY4VVVVOHpyQnhKVlVIY0dhU0FrXzdoUU5wZUJReF9SWEJ1bl9aRVBIYnNpZWpIZGZGQlh0amRSV09EWnJTMEhnU0liQVNKbzg1T1dGdE4zRjFEY1ctQ2NzZmQ5QnJVV0F0OTFuUQ?oc=5) · wrightfuneralhomeandcrematory.com
- 2025-11-03 [Career Notes: Personnel news from across the state - businessalabama.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQbHVnWFBMVk1laVRQS1hMYXBUTDU2RlJKUWxHb1Ffb1ZMZnJ0VEN5eDVLVjZmZm9XZ0lxYWRJVWQ2dXUtR2hlWFVHTmNnTGVJVnRrb3o5UzNZUTItdGhJTXlncV9ZSUp3ZG1SeUhYaUh2Y2NBZFgzUlFlZVh5bmpUUWlqTkZ2N2s?oc=5) · businessalabama.com
- 2025-11-17 [James David Peterson Obituary (2025) - Headland, AL - Holman-Abbeville Mortuary & Cremations - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxNNG9hRmc2T2dPTXFaNVNsVld2YlZSaFQ3cXhyQjZSTWtRcFlMVjFqSWhsQUhoeHE3d0tNRmIzOC1FbXl0WElmanNya05qdWtqSGNiSU9fX3BjY0NSbkNvdFRPVUR0TW02RjQ0WnFGTXNUcFBuM28yYmJDVUdmaks1U044RQ?oc=5) · Legacy obituary
- 2023-10-08 [New mural in downtown Headland a ‘tribute to agriculture’ - WTVY](https://news.google.com/rss/articles/CBMihwFBVV95cUxNcGFFa0ZRRmpTcF9qOVZEUFpoMjNvOTdZbF9Jb3hBemZxX0pEMGRVaWtrRFVBWGJ1bEdsYzF1T0Q2dEUya2hCNWdvUzlFWDFHX3QwcS03X3ltUlVOSGNMSGx6OEFmMmszcFJyWXdLdVNZcklGY0ZJMHJ3TDVsU2xFdHFDdGtvZXfSAZsBQVVfeXFMTWFkVlhBZ2ROZm1kbTVabU8wQjVmeElBU2VTbE5pU3M2RmE0S0NaMnl4S0EwUWlVUXROTjNVTkplUV9hRXRGSjhkUmx2RmVxZjZrMklmd3EwNWJRQWV5YzdpTEt4YXgzVWhPaGt1dWthUV9RSHFJZ2tIUU9ZNnR1QmxoQ1JzVjN4QTVvZDNmM2JObHBGd01mVVBsNHc?oc=5) · WTVY
- 2021-04-20 [New member appointed to Conservation Advisory Board - Yellowhammer News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNVWUtMjVOT0tJUDFNSnhsNXVZRFNuZ1hCQjc5djV6TVl3RnlCVTFWdnM1VjhfeTh2cWl3UEZvZlR5dXBfakdfTjBWS1Rtb0d4bVljNWVWQ015QnluaEVIaUU3clVmUmFxTS1RVWVpOEZPTTFxQUJyVjVTVXY1QUZNdjA3Tml0b2do?oc=5) · Yellowhammer News
- 2018-04-16 [Victoria Bristow Obituary (2018) - Headland, AL - Dothan Eagle - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxPbGRUYjk3djRpWTdZRDJRRnIyVlpFU2xnZUJPXzd3a3ZCeHJXU3BuLXFrTzhfeHJFaTdwM1BoSklaaXpCTnI5R3NxNUtqUzgxZ2lSa2RHMnZlUEIxM3ZGTF9COWVPZkxWdEVzZFQ5MEhnbWhuZUdnV2NBOWZyNmtxeC1EUk0zbDdyc0NHZlNmbXd0Zi1nSWc?oc=5) · Legacy obituary
- 2025-12-05 [Abbeville First Baptist Church finds growth and deeper faith after devastating fire - WTVY](https://news.google.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?oc=5) · WTVY

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2805 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "2805", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide