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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Headland, AL · FDIC certificate #2805
HNB FIRST BANK is an FDIC-insured institution based in Headland, AL (FDIC certificate #2805). In its Q3 2026 Call Report it reported total assets of $297M, total deposits of $268M and net loans of $226M. Its primary federal regulator is FDIC.
Plain-language readout
HNB FIRST BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $297M in Q3 2026 and were lowest at $281M in Q1 2026.
Total deposits were highest at $268M in Q3 2026 and lowest at $253M in Q1 2026.
Over the whole period total assets rose 5.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $297M | $268M | $226M | 1.20% | 13.46% | 4.40% |
| Q2 2026 | $282M | $254M | $221M | 1.15% | 12.86% | 4.39% |
| Q1 2026 | $281M | $253M | $219M | 1.00% | 11.27% | 4.30% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $14.0M | $15.5M | -$1.5M | -9.6% |
| Federal funds sold | $9.7M | $5.9M | +$3.8M | +65.1% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $21.4M | $22.4M | -$996K | -4.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $734K | -$734K | -100.0% |
| Net loans and leases (after allowance) | $220.7M | $218.7M | +$1.9M | +0.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.1M | $8.0M | +$90K | +1.1% |
| Other real estate owned | $214K | $984K | -$770K | -78.3% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $8.3M | $8.4M | -$47K | -0.6% |
| Total assets | $282.4M | $280.6M | +$1.8M | +0.7% |
| Liabilities | ||||
| Total deposits | $253.7M | $252.7M | +$960K | +0.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.0M | $2.8M | +$136K | +4.8% |
| Total liabilities | $256.7M | $255.6M | +$1.1M | +0.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.2M | $1.2M | $0K | 0.0% |
| Surplus | $2.0M | $2.0M | $0K | 0.0% |
| Retained earnings | $23.8M | $23.0M | +$742K | +3.2% |
| Accumulated other comprehensive income | -$1.2M | -$1.2M | -$4K | -0.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $25.7M | $25.0M | +$738K | +3.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.6M | $1.9M | -$325K | -16.7% |
| Adjusted nonperforming assets | $1.6M | $1.9M | -$325K | -16.7% |
| Tangible equity plus allowance | $28.6M | $27.3M | +$1.4M | +5.0% |
| Texas ratio (gross) | 5.66% | 7.13% | -1.48 pts | See points |
| Texas ratio (adjusted) | 5.66% | 7.13% | -1.48 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.66% | 7.13% | -1.48 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.53% | 9.23% | +0.30 pts | See points |
| Construction and land loans to total capital | 122.11% | 111.79% | +10.32 pts | See points |
| Commercial real estate to total capital | 184.75% | 193.23% | -8.48 pts | See points |
| Dividend payout, year to date | 62.54% | 118.48% | -55.94 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.62% | -4.73% | +0.10 pts | See points |
| Liquidity | ||||
| Core deposits | $204.4M | $202.9M | +$1.6M | +0.8% |
| Non-core funding | $49.3M | $49.9M | -$590K | -1.2% |
| Loans to core deposits | 109.37% | 108.94% | +0.44 pts | See points |
| Loans to deposits | 88.12% | 87.44% | +0.69 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 75.02% | 70.39% | +4.63 pts | See points |
| Loans pledged, share of loans | 14.30% | 14.89% | -0.58 pts | See points |
| Volatile liabilities | $49.3M | $49.9M | -$590K | -1.2% |
| Earnings | ||||
| Earnings before provision, year to date | $2.4M | $867K | +$1.6M | +181.3% |
| Earnings before provision, single quarter | $1.6M | $867K | +$705K | +81.3% |
| Provision for credit losses, year to date | $759K | $130K | +$629K | +483.8% |
| Yield and cost | ||||
| Yield on loans and leases | 6.90% | 6.85% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.42% | 3.53% | -0.11 pts | See points |
| Total interest income to average assets | 5.93% | 5.77% | +0.16 pts | See points |
| Cost of interest-bearing transaction accounts | 0.91% | 0.92% | -0.02 pts | See points |
| Cost of savings and money market deposits | 1.42% | 1.40% | +0.02 pts | See points |
| Cost of time deposits | 3.51% | 3.66% | -0.14 pts | See points |
| Total interest expense to average assets | 1.78% | 1.81% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $297M | $268M | $226M | 1.20% | 13.46% | 4.40% |
| 2026-06-30 | $282M | $254M | $221M | 1.15% | 12.86% | 4.39% |
| 2026-03-31 | $281M | $253M | $219M | 1.00% | 11.27% | 4.30% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $222M | 0.16% | 75 | Continuing · +0.01 pp |
| FL | $8.8M | 0.00% | 182 | Entered this year |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.