BlastPoint's Banking Scorecard
The First National Bank of Hutchinson
Designations: ✓ Community bank
Hutchinson, KS
8 branches across KS
The First National Bank of Hutchinson has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 28.34% above tier average
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.28% below tier average
- - Efficiency Ratio 0.37% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+2.7% YoY
-2.3% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$888.8M
+0.2% YoY
-0.3% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$1.0B
+0.4% YoY
-3.1% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
17% |
| Return on Assets ? |
1.38%
+13.7% YoY
+3.9% QoQ
|
+0.02% |
1.37%
+19.6% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
3.54%
+11.5% YoY
+5.5% QoQ
|
-0.28% |
3.82%
+6.9% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
43% |
| Efficiency Ratio ? |
61.43%
-1.4% YoY
-0.5% QoQ
|
+0.37% |
61.06%
-4.6% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
44% |
| Delinquency Rate ? |
0.39%
+393.5% YoY
+0.8% QoQ
|
-0.50% |
0.89%
+14.1% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
86.55%
-0.2% YoY
+2.9% QoQ
|
+2.34% |
84.20%
+0.3% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
49.63%
+15.6% YoY
-4.8% QoQ
|
+28.34% |
21.29%
-2.5% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
Top 1.8% in tier |
| Nonperforming Asset Ratio ? |
0.28%
+381.4% YoY
+2.9% QoQ
|
-0.39% |
0.67%
+15.6% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
64% |
| Tier 1 Capital Ratio ? |
14.64%
+9.8% YoY
+2.5% QoQ
|
-0.52% |
15.16%
+2.0% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.32%
-2.9% YoY
-74.2% QoQ
|
+0.06% |
0.26%
+1.6% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Top 12.3% in tier |
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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.