BlastPoint's Banking Scorecard
The First National Bank of Hutchinson
Designations: ✓ Community bank
Hutchinson, KS
8 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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
- Deposits +4.0% year over year ($1.0B on the books).
- Delinquency rate 0.33%.
- Return on assets 1.42%.
- Efficiency ratio 60.35% vs a 59.73% peer average.
- Loan-to-deposit ratio 84.00% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 29.74% above tier average
- + Delinquency Rate 0.53% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.24% below tier average
- - Efficiency Ratio 0.63% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+3.7% YoY
-1.4% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
18% |
| Total Loans ? |
$873.0M
-0.2% YoY
-1.8% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$1.0B
+4.0% YoY
+1.2% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
1.42%
+20.7% YoY
+2.8% QoQ
|
+0.03% |
1.39%
+17.0% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
3.63%
+12.2% YoY
+2.6% QoQ
|
-0.24% |
3.87%
+6.2% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
60.35%
-5.1% YoY
-1.8% QoQ
|
+0.63% |
59.73%
-12.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
0.33%
-23.3% YoY
-14.8% QoQ
|
-0.53% |
0.87%
+11.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
84.00%
-4.1% YoY
-2.9% QoQ
|
-1.03% |
85.04%
-0.1% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
51.02%
+13.8% YoY
+2.8% QoQ
|
+29.74% |
21.27%
-1.5% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Top 1.6% in tier |
| Nonperforming Asset Ratio ? |
0.27%
-16.0% YoY
-3.4% QoQ
|
-0.40% |
0.67%
+11.7% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
15.17%
+10.5% YoY
+3.6% QoQ
|
+0.32% |
14.84%
-0.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.63%
+1.3% YoY
+98.8% QoQ
|
+0.10% |
0.53%
+2.5% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Top 12.4% in tier |
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 |
51.0%
+6.2pp YoY +1.4pp QoQ |
+29.6pp | 21.4% | 22.3% | 22.2% | 98% |
| Brokered Deposits |
17.0%
+4.4pp YoY +2.2pp QoQ |
+7.5pp | 9.5% | 8.7% | 8.5% | 85% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.2%
+0.5pp YoY +0.2pp QoQ |
-0.8pp | 14.0% | 12.6% | 12.5% | 60% |
| CRE |
49.9%
-1.1pp YoY -0.9pp QoQ |
-0.1pp | 50.0% | 28.8% | 41.4% | 50% |
| 1-4 Family |
20.2%
-0.3pp YoY +0.1pp QoQ |
-6.2pp | 26.4% | 26.7% | 31.3% | 42% |
| Consumer |
1.4%
-0.2pp YoY +0.1pp QoQ |
-3.4pp | 4.7% | 4.6% | 5.0% | 53% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.2%
+1.4pp YoY +0.5pp QoQ |
-0.4pp | 15.6% | 23.3% | 19.7% | 71% |
| Leverage Ratio |
11.5%
+0.4pp YoY +0.4pp QoQ |
+0.2pp | 11.3% | 12.6% | 12.6% | 69% |
| Total Capital Ratio |
16.4%
+1.4pp YoY +0.5pp QoQ |
-0.3pp | 16.7% | 24.4% | 20.8% | 72% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
176
+3 (+1.7%) YoY 0 QoQ |
-138 | 313 | 70 | 482 | 33% |
| Assets per Employee ($) |
$6.9M
+2.0% YoY -1.4% QoQ |
-$3.6M | $10.5M | $7.1M | $8.8M | 22% |
| Branch Count |
8
0 YoY 0 QoQ |
-12 | 20 | 6 | 18 | 20% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.4% | 0.4% | 54% |
| Nonaccrual |
0.3%
-0.1pp YoY -0.1pp QoQ |
-0.5pp | 0.8% | 0.8% | 1.0% | 31% |
| Allowance Coverage |
4.37x
+32.0% YoY +20.7% QoQ |
-14.34x | 18.71x | 22.44x | 20.23x | 75% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.9%
+1.3pp YoY +0.1pp QoQ |
+1.3pp | 12.6% | 14.3% | 11.6% | 66% |
| Cost of Funds (YTD) |
2.0%
-0.4pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.6% | 1.7% | 53% |
| Net Income ($, YTD) |
$8.7M
+25.2% YoY — QoQ |
-$10.5M | $19.2M | $3.7M | $40.4M | 33% |
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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.