HNB National Bank, founded in 1888 as the Bank of Hannibal, is a full-service, independent bank offering a wide range of banking services, including loan and deposit products, and trust and investment services. Its products and services include savings and checking accounts, overdraft protection, 24-hour telephone banking, credit cards, ATM service, and Internet banking. It also offers loans for new and used automobiles, recreational vehicles, boats and motorcycles, consumer loans, and a variety of mortgage options, including home equity loans and loans for first-time homebuyers. The bank provides wealth management services, and loans for holiday trips as well. Headquartered in Hannibal, it has branch offices in Troy, Wentzville and Palmyra, Mo. Its deposits are federally insured by the Federal Deposit Insurance Corporation.