BlastPoint's Banking Scorecard
The First National Bank of Hope
Designations: ✓ Community bank
Hope, KS
3 branches across KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +5.3% year over year ($74.1M on the books).
- Delinquency rate 1.35%.
- Return on assets 0.82%.
- Efficiency ratio 79.28% vs a 119.40% peer average.
- Loan-to-deposit ratio 59.77% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Hope has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 40.11% below tier average
- + Delinquency Rate 0.13% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.4M
+1.6% YoY
-2.5% QoQ
|
+$21.0M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$44.3M
-2.1% YoY
-6.5% QoQ
|
+$9.4M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$74.1M
+5.3% YoY
+1.3% QoQ
|
+$22.5M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
82% |
| Return on Assets ? |
0.82%
+60.6% YoY
+33.6% QoQ
|
-0.17% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
41% |
| Net Interest Margin ? |
3.94%
+10.1% YoY
+8.9% QoQ
|
+0.03% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
79.28%
-7.8% YoY
-4.5% QoQ
|
-40.11% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? |
1.35%
-77.4% YoY
-71.1% QoQ
|
-0.13% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
59.77%
-7.1% YoY
-7.7% QoQ
|
-14.44% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
25.34%
+3.3% YoY
+3.0% QoQ
|
+1.85% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.72%
-78.2% YoY
-72.3% QoQ
|
-0.12% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
20.15%
+5.9% YoY
+8.6% QoQ
|
-6.97% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.25%
-3.4% YoY
+97.6% QoQ
|
-1.13% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
78% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.3%
+0.8pp YoY +0.7pp QoQ |
+0.7pp | 24.6% | 22.3% | 22.2% | 57% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.6%
+0.8pp YoY -0.3pp QoQ |
-8.8pp | 13.4% | 12.6% | 12.5% | 18% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
4.0%
-0.3pp YoY +0.1pp QoQ |
-30.9pp | 35.0% | 26.7% | 31.3% | 13% |
| Consumer |
3.1%
+0.1pp YoY -0.2pp QoQ |
-4.6pp | 7.7% | 4.6% | 5.0% | 32% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.1%
+1.1pp YoY +1.6pp QoQ |
-18.5pp | 38.7% | 23.3% | 19.7% | 48% |
| Leverage Ratio |
13.8%
-0.2pp YoY +0.6pp QoQ |
-3.9pp | 17.7% | 12.6% | 12.6% | 60% |
| Total Capital Ratio |
21.4%
+1.1pp YoY +1.6pp QoQ |
-18.3pp | 39.7% | 24.4% | 20.8% | 48% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
-1 (-5.6%) YoY 0 QoQ |
+5 | 12 | 70 | 482 | 81% |
| Assets per Employee ($) |
$4.9M
+7.5% YoY -2.5% QoQ |
-$1.3M | $6.2M | $7.1M | $8.8M | 34% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 6 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.4%
-4.6pp YoY -3.3pp QoQ |
-0.4pp | 1.7% | 0.8% | 1.0% | 65% |
| Allowance Coverage |
1.57x
+336.3% YoY +255.5% QoQ |
-4.84x | 6.41x | 22.44x | 20.23x | 54% |
| Net Charge-off Rate (YTD) |
0.2%
+0.3pp YoY +0.2pp QoQ |
0.0pp | 0.2% | 0.1% | 0.2% | 75% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.1%
+2.3pp YoY +2.1pp QoQ |
+2.7pp | 6.4% | 14.3% | 11.6% | 56% |
| Cost of Funds (YTD) |
1.3%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.6% | 1.7% | 47% |
| Net Income ($, YTD) |
$355,000
+62.8% YoY — QoQ |
+$37K | $317,817 | $3.7M | $40.4M | 59% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.