| Metric | HNB National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +36.8% | +5.5% | +31.3 pts |
| Deposit growth (YoY) | +38.7% | +5.1% | +33.6 pts |
| Loan growth (YoY) | +36.5% | +5.9% | +30.6 pts |
| ROA | 2.66% | 1.26% | +1.4 pts |
| ROE | 22.8% | 12.2% | +10.7 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.31B | $1.16B | $862.3M | $143.8M | $14.5M | 2.66% | 4.41% | 0.04% |
| Q1 2026 | $995.4M | $868.4M | $675.8M | $121.7M | $6.3M | 2.56% | 4.21% | 0.03% |
| Q4 2025 | $968.0M | $847.5M | $682.3M | $116.4M | $23.5M | 2.46% | 4.08% | 0.05% |
| Q3 2025 | $957.2M | $838.1M | $643.1M | $113.9M | $17.4M | 2.44% | 4.03% | 0.15% |
| Q2 2025 | $961.0M | $838.6M | $631.6M | $108.2M | $11.3M | 2.38% | 3.99% | 0.12% |
| Q1 2025 | $964.0M | $834.8M | $637.7M | $104.8M | $5.4M | 2.27% | 3.86% | 0.13% |
| Q4 2024 | $920.8M | $796.0M | $641.0M | $101.3M | $17.6M | 1.97% | 3.88% | 0.04% |
| Q3 2024 | $914.8M | $790.5M | $627.4M | $100.3M | $12.6M | 1.89% | 3.84% | 0.04% |
Loan mix (Q2 2026): real estate $709.8M · commercial $55.0M · consumer $13.2M · securities $279.2M
| Ratio | HNB National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.66% | 1.26% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 22.8% | 12.2% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.8% | 59.0% | 9th |
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 National 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 National 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 National 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 National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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