HNB Bank
HNB National Bank is a privately held, nationally chartered community bank founded in 1888 and headquartered in Hannibal, Missouri. Operating ~18 branches across Northern Missouri with ~$957M in assets, it serves individuals, families, farmers, and small-to-mid businesses with deposit, lending, merchant, and wealth services.
- Company typePrivate
- Founded1888
- HeadquartersHannibal, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What HNB Bank does
HNB National Bank (legal name HNB Bank, n.a.) is a privately held, nationally chartered community bank headquartered in Hannibal, Missouri, operating 15 branches across Northern Missouri with two additional locations pending via the acquisition of Kearney Trust Company (expected Q2 2026 close). Founded in 1888 as the Bank of Hannibal, the bank holds approximately $957 million in total assets as of Q1 2026 and serves individuals, families, agricultural operators, small-to-mid businesses, and larger commercial clients across communities including Hannibal, Bowling Green, Louisiana, Monroe City, Palmyra, Perry, Savannah, St. Joseph, Stanberry, Troy, Wentzville, and Kearney.
The bank's product set spans personal banking (checking, savings, money markets, HSA, debit cards), consumer and commercial lending (mortgages, USDA Rural Housing, Farmer Mac, personal/auto loans, SBA programs, commercial real estate, operating lines), credit cards issued through Elan Financial Services under Visa/Mastercard, merchant services via BancCard, and wealth management through Trust Services (since 1927) and Momentum Independent Network investment advisory. Its technology stack centers on an in-house digital banking platform comprising a mobile banking app (iOS/Android), online eBanking, eCash Management for businesses (ACH, wire, payroll, dual-control authorization), Remote Deposit Capture, Zelle P2P payments, and a My Financial Health consumer tool providing VantageScore 3.0 credit monitoring and dark web surveillance with a paid Plus tier at $8.99/month.
Revenue is generated primarily through net interest income on the loan portfolio, supplemented by deposit account fees, credit card interchange, merchant processing fees, and wealth/trust service fees. The go-to-market model is branch-led relationship banking supported by digital channels, targeting a horizontal customer base across consumer, small business, agricultural, and commercial segments. Strategic activity is anchored on a merger-driven inorganic growth path (Kearney Trust) layered over steady-state community banking operations, with no disclosed venture funding, no AI/ML capabilities, and no public listing.
HNB Bank firmographics
Firmographics- Name
- HNB Bank
- Legal name
- HNB Bank, n.a.
- Website
- https://hnbbanks.com
- Company type
- Private
- Founded year
- 1888
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- HNB National Bank is a privately held, nationally chartered community bank founded in 1888 and headquartered in Hannibal, Missouri. Operating ~18 branches across Northern Missouri with ~$957M in assets, it serves individuals, families, farmers, and small-to-mid businesses with deposit, lending, merchant, and wealth services.
- Ownership category
- akta.pro rank
HNB Bank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (52211)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- High-Net-Worth (HNW) Private Banking (FSABADAB)
- akta.pro secondary industry
- Onshore Private Banking (Domestic HNW/UHNW) (FSAAABAA)
Keywords
Where HNB Bank is headquartered
LocationHeadquarters
- HQ city
- Hannibal
- HQ country
- United States
- HQ region
- North America
Offices17 records
Markets served
HNB Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income from Lending: Primary revenue from interest earned on loan portfolio including personal loans, mortgages, commercial loans, agricultural loans, and credit cards
- Deposit Account Fees and Charges: Monthly maintenance fees, transaction fees, overdraft fees, and service charges across personal and business checking and savings accounts
- Credit Card Income: Revenue from consumer and commercial credit card transactions, with cards issued through Elan Financial Services
- Merchant Services: Revenue from credit card processing services for business merchants through BancCard partnership, including transaction fees and monthly service charges
- Wealth Management and Trust Services: Revenue from investment services through Momentum Independent Network partnership, and trust/estate planning services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Banking - Checking Accounts |
| Subscription | Monthly | Personal Savings Products |
| Unit Pricing | Annual | Certificate of Deposit (CD) Products |
| Subscription | Monthly | Business Checking Accounts |
| Subscription | Monthly | My Financial Health Plus Premium Upgrade |
| Transaction based/ take rate | Monthly | Credit Card Products |
| Other | Pay-as-you-go | Loan Products |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels6 records
HNB Bank product offering
Product offeringCore offering
HNB National Bank is a community bank providing a full suite of personal and business banking products including checking, savings, money market accounts, CDs, IRAs, mortgages, personal and commercial loans, debit and credit cards, merchant processing, trust services, and investment advisory. Services are delivered through 18 branch locations across Northern Missouri complemented by online, mobile, and ATM channels.
Product overview
HNB National Bank is a community bank offering a unified suite of banking products across personal, business, and wealth management segments. Personal banking includes checking, savings (including HSA), credit cards, and lending (personal/auto loans and mortgages). Business banking encompasses specialized commercial checking, merchant processing through BancCard, and business lending. Wealth management includes CDs/IRAs, trust services, and investment advisory through Momentum Independent Network. Digital banking is delivered through an integrated eBanking platform featuring mobile banking, eCash Management for businesses, My Financial Health (credit monitoring and dark web surveillance), and Zelle person-to-person payments. Security features include Mastercard ID Theft Protection for cardholders.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking
Quantifiable outcome
- Bank has operated successfully for over 125 years since founding in 1888
- +2 more outcomes
Companies that use HNB Bank
Customer profileSegments4 records
Ideal customer profiles4 records
HNB Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature5 records
HNB Bank partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Early Warning Services (Zelle)coreZelle provides real-time P2P payment integration within HNB's mobile and online banking, enabling customers to send and receive money using email or mobile number. Over 100 million people enrolled with Zelle. HNB does not charge fees for Zelle transactions.
- BancCardcoreBancCard provides merchant processing services for HNB business customers, offering competitive credit card processing rates, on-going account management, security compliance monitoring, transparent fee structure, and month-to-month agreements with no cancellation fees. The partnership includes free merchant account analysis identifying cost reductions averaging 20% or more.
- Momentum Independent NetworkcoreMomentum Independent Network provides investment services platform for HNB advisors, offering advanced planning, trading, and reporting tools. The partnership combines HNB's local community banking approach with Momentum's modern technology and flexible solutions. Securities offered through FINRA/SIPC member.
- Elan Financial ServicescoreElan Financial Services is the creditor and issuer of HNB's consumer and commercial credit cards under Visa and Mastercard licenses. Provides zero fraud liability protection, 24/7 cardmember service, and mobile payment capability.
- MastercardcoreMastercard provides debit and credit card network infrastructure, including Mastercard ID Theft Protection services for all debit and credit card members at no cost. Includes ID theft alerts, emergency wallet replacement, and expert resolution services.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
HNB Bank competitors and assessment
Company assessmentBroad incumbents
- Commerce Bank: Kansas City, Missouri-based regional bank with broad retail, commercial, and wealth management services across Missouri and adjacent states — overlapping personal/business banking products but at meaningfully larger scale.
Regional players
- Midland States Bank: Effingham, Illinois-based regional bank with Midwest community-banking and wealth management focus — comparable Midwestern community-bank operating model but Illinois-primary geography.
- Arvest Bank: Bentonville, Arkansas-based regional bank with multi-state community banking footprint including Missouri — similar community-banking approach and product suite, but broader geographic reach.
Direct peers
- Bank of Missouri: Perryville, Missouri community bank serving similar regional markets with personal and business banking, comparable asset size class, and analogous community-bank operating model.
- Lindell Bank & Trust Company: St. Louis, Missouri community bank with personal, business, and trust services — comparable community-bank business model and product breadth including trust services.
- Great Southern Bank: Springfield, Missouri-headquartered community bank with comparable Midwestern retail and small-business banking focus, similar asset size class, and multi-branch distribution model in Missouri communities.
- BTC Bank: Bethany, Missouri-headquartered community bank serving rural northern and western Missouri with personal, agricultural, and business banking — directly comparable community-bank footprint and customer profile.
- First Bank: Creve Coeur, Missouri-based community bank holding company operating First Bank with multi-branch retail and commercial banking across Missouri — directly comparable in product mix, customer base, and regional orientation.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
HNB Bank social profiles
Digital presenceHNB Bank compliance and trust
Trust signalCompliance4 records
HNB Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
HNB Bank leadership team
Management profileNumber of profiles
Profiles3 records
HNB Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HNB Bank M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about HNB Bank
What does HNB Bank do?
HNB National Bank is a community bank providing a full suite of personal and business banking products including checking, savings, money market accounts, CDs, IRAs, mortgages, personal and commercial loans, debit and credit cards, merchant processing, trust services, and investment advisory. Services are delivered through 18 branch locations across Northern Missouri complemented by online, mobile, and ATM channels.
Is HNB Bank a public or private company?
HNB Bank is a private company. It is classified as unknown and is currently operating.
When was HNB Bank founded?
HNB Bank was founded in 1888. It employs 101 to 250 people.
Where is HNB Bank based?
HNB Bank is headquartered in Hannibal, United States, in the North America region.
How does HNB Bank make money?
Five revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Account Fees and Charges, credit Card Income, merchant Services and wealth Management and Trust Services.
Who are HNB Bank's main competitors?
Commerce Bank is listed as a broad incumbent. Regional players are Midland States Bank and Arvest Bank. Direct peers are Bank of Missouri, Lindell Bank & Trust Company, Great Southern Bank, BTC Bank and First Bank.
Does HNB Bank have an API?
No public API is recorded for HNB Bank.
What industry is HNB Bank in?
HNB Bank's product category is Retail Banking. Its primary akta.pro industry code is FSABADAB, High-Net-Worth (HNW) Private Banking, with a secondary code of FSAAABAA, Onshore Private Banking (Domestic HNW/UHNW). Its NAICS code is 52211 and its SIC code is 6021.