HNB HOLDING CO INC is the bank holding company. HNB FIRST BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

HNB HOLDING CO INC

Legal name: HNB HOLDING COMPANY, INC.

1 active bank · $281M combined assets

RSSD ID: 2081834 (FFIEC NIC)

Combined Assets

$281M

CRA Rating Summary

Satisfactory1charter

Across all 2 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankHNB FIRST BANKHEADLAND, ALSatisfactory$281MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$281M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$253M

Net Income

$709K

ROA (avg)

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

101

Origination Rate

87.13%

Denial Rate

4.95%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
HNB FIRST BANK	HEADLAND, AL	FDIC	$281M	100.0%	Satisfactory	Nov 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.