# HNB NATIONAL BANK
HANNIBAL, MO · FDIC certificate 4540 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $1.31B | |
| Deposits | $1.16B | |
| Loans and leases | $872.2M | |
| Total equity | $143.8M | |
| Loans / deposits | 74.15% (p23 of band) | 87.10% |
| Liquid assets / assets | 27.99% (p72 of band) | |
| Uninsured deposits / deposits | 14.19% (p8 of band) | 30.76% |
| Brokered deposits | 4.00% | |
| Wholesale funding | 4.00% (p40 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.72% (p29 of band) | 10.50% |
| Unrealized securities loss / equity | -6.17% (p57 of band) | -7.75% |
| AOCI / equity | -1.42% (p9 of band) | |
| ROA (annualized) | 2.66% (p97 of band) | 1.26% |
| Net interest margin | 4.41% (p84 of band) | 3.70% |
| Efficiency ratio | 41.77% (p10 of band) | |
| Noncurrent loans | 0.06% (p10 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | 1997.99% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 64.56% (p67 of band) | |
| Auto loans | $7.4M (0.84% of loans; DQ 1.21%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 38.7% | |
| Employees | 173 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 1 | liquid assets <10% | charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | charge-offs p90 |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | uninsured deposits leaving |  |
| 2016-03 | 2 | charge-offs p90 | liquid assets <10% |
| 2016-06 | 2 | liquid assets <10% | charge-offs p90 |
| 2016-09 | 0 |  | uninsured deposits leaving, liquid assets <10% |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | uninsured deposits leaving |  |
| 2023-09 | 1 | securities losses >30% of equity | uninsured deposits leaving |
| 2023-12 | 1 | capital falling | securities losses >30% of equity |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-22 [HNB National Bank, Federal Home Loan Bank grant supports Hannibal Regional cancer care - hannibal.net](https://news.google.com/rss/articles/CBMiugFBVV95cUxPMEhNLWt0aTlBdm5aQWxWTE5VMlVTbHZSUVEtUVF1R3pjcGYtZHQwbGdHYnBvRnBnbVlDLU4yWE5POEo2ZzB4MUFDVGdXMlNOWmlhbnhaYjI3ZkhaaVlOYktOOXRJdkNCMElVWXBFc2hjMXFtNkNrYUREU1ZJOG91QVZKYm1PUHJ5WUI1cDJucmNWU3RhR1p3QUxsaTRXajVtbjhqTTFLMDFPZHg5aGZobmJLZFU5SjhyckE?oc=5) · hannibal.net
- 2026-04-29 [HNB National completes its acquisition of Kearney Trust - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPUEJscHdGdDN3NzhSOWdLZGJCSDVXTmFxeGVwOVpMclBMUEZwY3FjdWg4eXUxekwwb3k2WVREMjZGSmlFV3NRaTVPb21CclJ3SUg0cTBmc1dGZTVDOElRNXlyd2FVZ3pfQ2lVb3BnNDVCa3lQZlZLeFJmT2llMzBlYktRRlJaTkxmOGRRWVpVSDZzVG9HRnF5c1hjdGZDQzF0WEN1MlAzRHZEMkFG?oc=5) · The Business Journals
- 2026-01-07 [HNB National Bank and Kearney Trust Company jointly announce merger - News-Press NOW](https://news.google.com/rss/articles/CBMigAJBVV95cUxNNE1JVUlWT2hLSXdfa0tySG4wNDBKRnNRU2ZLWUJWSTYyN2JrQnMyVE94Sm1RZEF3QXJQbjlZTFR5SWZoSks3eERsZ1ppQlYtY0xqWGdtRnNacFBiMnFMcm5nc29Ndk1VN0NYaVEtcWRvWUJ3YUk0aVJ4SVBXR2pkQ3pwT19oRW8xS3BBc3hBc3hsY29mZUxzTnRUUGhNNm1Wd2VEN2ZRWUFUazBBbFBCdzdTUEFYa1FDb2dOc19OU0JSemZUdVlET19EcmNRRjg0Rm03LTJnamYxdWhCSkd6T09ydzNGZVdvWTJFaWs2ZG9KcFd2ekF5dWZkbm1sZTJ3?oc=5) · News-Press NOW
- 2026-06-30 [Hilltop Launches Financial Institutions Division, Welcomes $112 Million Missouri Bank - AdvisorHub](https://news.google.com/rss/articles/CBMivgFBVV95cUxPM01JeHJvLWQtOTFoMk43ZVVKOVZzZ29yVk9MVUFEYzlyVHl4aTJreTNpTzRWUmk0SXdoaFByU3BWanI5b2ZlcmdCZHIwOERHRGd3M18tMFZMM254ZUcwd25rWnY4bFVSZUR4SDRLUFpfYjRXMFBCTkFYVzRQMUJnVGhvV0Vld192aWJyMFN4cXRqYVlNUWlwQ0YxcWVJaXp1c2FVSllnOVFQUlc2aTVsTm1lUWRNMUJOVTVOTHRB?oc=5) · AdvisorHub
- 2026-01-14 [Kearney Trust Co. agrees to sell to Hannibal-based HNB National Bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxONkE3THdsMDExLWR5S05kQWFHRUt2dzFOSTBDRGppR1kzRTdSSFRxeVc5dmd3MHpHSGV6LXVSdmFwdEEtclNxTklfWng4SnRmQ25DTWQ1YnVfT0NYaTBjTGRETTlUQld3aEo1NWkwek5FczNsZ2lmZUNMTDRuMjU1Z0xEUnNDaWVWbFdpV1htYUQ1N0tjLUxYZDV6aGZqY0pjMWJ3QW1R?oc=5) · The Business Journals
- 2023-01-06 [HNB National Bank acquires Louisiana, Missouri, bank - WGEM](https://news.google.com/rss/articles/CBMikgFBVV95cUxQdnYzTU5EMWlVTG5uaFFUcFZ1bTJWb04xZzFjWVVaeXk5XzB0M0hCOU1WeWpuaW9fV0xLc0lONzY4RjFhQ1BkWDkya1U0RmxNX3JhVlRXNzJaNUNndE9ha2V6bEtFcm10SEVlUi1HcEVjUGpJMHV0aUtDbkdhdUtBNW55cmVzSzZISUJwa201YTVMZ9IBpgFBVV95cUxNMVRXRVFGNnRsQlFocUxfcEo5SWJLdHRJZ3JNbktHdE5Mc3lWZzVEVXFFY08zcG9ZTWlGOEFZZ0FGcFoxQ3Z0cGttYktza0dIeVQ0TWRpLXRMQVN2c1NXdXdCMFIwLWdjWEtndnlwaDBsUmNid2JfQ19KZzh4bkY2NDk1b2pib2ZNX1VZOF9sWUpaVVZVd1F4RWpkQXdfMFBNWHZSanln?oc=5) · WGEM
- 2023-01-08 [HNB Bancorp, Northeast Missouri Bancshares announce plans for merger - Muddy River News](https://news.google.com/rss/articles/CBMivgFBVV95cUxPMlUxVW9lVkY0ZGFwVmMySVlwUmtvR1VBbDkzTkZOeHh0ZmxSN1FRdll1Yk1rUnA2Ukhta0x5ci0yOFZNQzA4VGljTUhoUEdSMFJpT3lBMWd0djVidWdnWkpueV9qN1Fha0p3eEo4YUZicThWZVdSMjBIRFlDQU0yUl8tZ2pNQ1hiZEVaeVBDV1NMeDlzb2o0RWRGWGI4TW9NVmV3bUp6SG5EZDl2T0p5clJPb0xjQ3NjSHh1RVln?oc=5) · Muddy River News
- 2021-02-25 [5 St. Louis-area banks rank among 10 best performers in Missouri - KSDK](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOSUJTYjRMaDlyeHdXV0w5U3ZTOTVnQ1I1MjBnZTVlVS1sbkVVWUdNY29jNW1QRm12NU4xZ1lUc05nTDB2dVphN1BlU2NzRlN5U3NGSFRaNWhsZFNVdGlxUF9sd1c4R3VuMEFGbXNoNlg1b0s5Zm5PRnpjS1o4TDNreDhtRlU4NE1HQ3dzVlZkM1JYWEx3WGY0cjBGOExqYXU4S25DcU9hVlRJMUpNd0FkeGE4bi1XQkFwV2tzSkFsZ25XZ09sZ2xOYkEwS01QYU5LdHl0LW05bVN0VmpsSVBv?oc=5) · KSDK

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4540 (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/60.json (key "4540", 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