Hnb National Bank (FDIC #4540): Bank Stress & Real-Estate Credit Exposure

Hnb National Bank (FDIC Cert #4540): bank stress 36/100, contained, STABLE over 7 days; parent R DEAN PHILLIPS BK TR DATED 11-19-2004.

Hnb National Bank (#4540) lends in 10 counties across 1 state; Hnb National Bank (#4540) reaches 130 ZIP codes: Missouri 10 counties, 130 ZIPs.

Hnb National Bank (#4540) largest markets: Clay County, MO (46 branches, 23 ZIPs) (#4540), Lincoln County, MO (17 branches, 17 ZIPs) (#4540), Andrew County, MO (34 branches, 17 ZIPs) (#4540), Monroe County, MO (16 branches, 16 ZIPs) (#4540), St. Charles County, MO (15 branches, 15 ZIPs) (#4540), Buchanan County, MO (15 branches, 15 ZIPs) (#4540).

Hnb National Bank (#4540) reports $1.31 billion in total assets; Hnb National Bank (#4540) equity $143.8 million (10.9% of Hnb National Bank (#4540) assets); Hnb National Bank (#4540) domestic deposits $1.16 billion; Hnb National Bank (#4540) net income $14.5 million; Hnb National Bank (#4540) return on assets 2.66%; Hnb National Bank (#4540) return on equity 22.82%; Hnb National Bank (#4540) net interest income $22.4 million; Hnb National Bank (#4540) call report June 30, 2026.

Hnb National Bank (#4540) noncurrent real-estate loans: none reported; Hnb National Bank (#4540) net charge-offs on real estate 0.06%; Hnb National Bank (#4540) residential charge-offs 0.03%.

Hnb National Bank (#4540) net interest margin 4.41% against an eight-quarter Hnb National Bank (#4540) average of 4.04% (Hnb National Bank (#4540) compression -0.37 points); Hnb National Bank (#4540) real-estate loans 0.3% of equity; Hnb National Bank (#4540) non-residential real estate 2.5% of equity; Hnb National Bank (#4540) rate-exposure score 40/100, Hnb National Bank (#4540) fixed-rate trap 40/100; Hnb National Bank (#4540) risk type rate trapped; Hnb National Bank (#4540) rate regime rates elevated, Hnb National Bank (#4540) snapshot October 19, 2026.

Hnb National Bank (#4540) stress score moved from 30.7 on June 22, 2026 to 36 on October 19, 2026; Hnb National Bank (#4540) ranged 30.7 to 36 over 116 snapshots.

Hnb National Bank (#4540) alerts: 10 counties; top Hnb National Bank (#4540) alert scores: Perry County, MO 29 (low); Kearney County, MO 15 (low); Louisiana County, MO 15 (low); Monroe City County, MO 15 (low); Palmyra County, MO 15 (low).