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The First National Bank of Hope

under $100M Specialty: Agricultural KS FDIC cert 4690

Designations: ✓ Community bank

Hope, KS

3 branches across KS

541 banks in the under $100M peer group nationally 48 in KS
View under $100M leaderboard (KS) →

The First National Bank of Hope has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 5.31% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 3.32% above tier average
  • - Nonperforming Asset Ratio 1.81% above tier average
  • - ROA 0.22% below tier average
  • - Net Interest Margin 0.24% below tier average
Get updates when The First National Bank of Hope releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $85.6M
+0.1% YoY -4.5% QoQ
+$23.4M $62.2M
-0.6% YoY
$509.2M
+7.2% YoY
$6.2B
+9.1% YoY
79%
Total Loans ? $47.3M
-0.2% YoY -4.1% QoQ
+$13.1M $34.2M
-1.4% YoY
$338.5M
+8.8% YoY
$3.2B
+10.8% YoY
73%
Total Deposits ? $73.1M
+3.1% YoY -2.7% QoQ
+$21.4M $51.7M
-0.7% YoY
$424.4M
+7.3% YoY
$4.8B
+8.2% YoY
79%
Return on Assets ? 0.62%
+96.0% YoY +36.7% QoQ
-0.22% 0.84%
-2.3% YoY
1.40%
+19.8% YoY
1.23%
+13.4% YoY
35%
Net Interest Margin ? 3.62%
+7.3% YoY +0.3% QoQ
-0.24% 3.86%
+2.8% YoY
3.92%
+4.5% YoY
3.89%
+5.7% YoY
39%
Efficiency Ratio ? 83.04%
-8.6% YoY -5.5% QoQ
-5.31% 88.34%
+0.3% YoY
62.29%
-5.0% YoY
66.95%
-4.1% YoY
30%
Delinquency Rate ? 4.69%
-27.3% YoY +0.5% QoQ
+3.32% 1.37%
+33.8% YoY
0.77%
+10.4% YoY
0.95%
+18.8% YoY
Bottom 6.7% in tier
Loan-to-Deposit Ratio ? 64.75%
-3.2% YoY -1.4% QoQ
+0.53% 64.22%
-0.7% YoY
71.79%
+1.2% YoY
76.70%
+0.9% YoY
52%
Non-Interest-Bearing Deposit Share ? 24.60%
-3.0% YoY -15.9% QoQ
+0.89% 23.71%
+0.3% YoY
22.83%
-2.0% YoY
22.01%
-1.2% YoY
55%
Nonperforming Asset Ratio ? 2.60%
-27.5% YoY +1.0% QoQ
+1.81% 0.79%
+28.2% YoY
0.51%
+12.5% YoY
0.67%
+19.3% YoY
Bottom 6.8% in tier
Tier 1 Capital Ratio ? 18.57%
+2.9% YoY +4.3% QoQ
-8.12% 26.68%
+2.0% YoY
17.98%
-0.9% YoY
17.06%
+0.8% YoY
64%
Non-Interest Income / Assets ? 0.13%
+0.8% YoY -73.4% QoQ
-0.54% 0.67%
+1.9% YoY
0.28%
-1.8% YoY
0.32%
+4.1% YoY
79%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 541 peers in under $100M

Top Strengths (3 metrics)

114
Total Assets
size
Value: $85.56M
Peer Median: $62.16M
#114 of 541 Top 20.9% in under $100M
115
Total Deposits
size
Value: $73.12M
Peer Median: $51.74M
#115 of 541 Top 21.1% in under $100M
117
Non-Interest Income / Assets
revenue_mix
Value: 0.13%
Peer Median: 0.67%
#117 of 541 Top 21.4% in under $100M

Top Weaknesses (2 metrics)

487
Delinquency Rate
credit_quality
Value: 4.69%
Peer Median: 1.37%
#487 of 521 Bottom 6.7% in under $100M
505
Nonperforming Asset Ratio
credit_quality
Value: 2.60%
Peer Median: 0.79%
#505 of 541 Bottom 6.8% in under $100M
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