| Metric | HNB First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +4.4% | +5.4 pts |
| Deposit growth (YoY) | +9.9% | +4.0% | +6.0 pts |
| Loan growth (YoY) | +19.7% | +5.6% | +14.1 pts |
| ROA | 1.15% | 1.24% | -0.1 pts |
| ROE | 12.9% | 11.9% | +1.0 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $282.4M | $253.7M | $220.7M | $25.7M | $1.6M | 1.15% | 4.39% | 0.57% |
| Q1 2026 | $280.6M | $252.7M | $219.5M | $25.0M | $709K | 1.00% | 4.30% | 0.69% |
| Q4 2025 | $285.1M | $257.0M | $204.0M | $25.3M | $3.3M | 1.26% | 4.20% | 0.71% |
| Q3 2025 | $283.4M | $255.8M | $196.1M | $24.6M | $2.7M | 1.40% | 4.15% | 0.76% |
| Q2 2025 | $257.3M | $230.8M | $184.4M | $23.6M | $1.8M | 1.42% | 4.13% | 0.84% |
| Q1 2025 | $249.4M | $224.0M | $170.1M | $22.6M | $766K | 1.25% | 3.88% | 0.47% |
| Q4 2024 | $240.4M | $215.1M | $166.9M | $21.7M | $3.4M | 1.46% | 4.24% | 0.06% |
| Q3 2024 | $233.6M | $208.6M | $166.9M | $22.2M | $2.4M | 1.37% | 4.25% | 0.01% |
Loan mix (Q2 2026): real estate $155.7M · commercial $28.0M · consumer $10.9M · securities $21.4M
| Ratio | HNB First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 62.9% | 59th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | HNB First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | HNB First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | HNB First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | HNB First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.