BlastPoint's Banking Scorecard
The First National Bank of Hope
Micro
Specialty: Agricultural
KS
FDIC cert 4690
Designations: ✓ Community bank
Hope, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The First National Bank of Hope faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.03% above tier
- - Nonperforming Asset Ratio 2.12% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.6M
+2.4% YoY
+12.1% QoQ
|
-$127.9M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$49.4M
+6.9% YoY
+15.6% QoQ
|
-$89.8M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$75.2M
+1.8% YoY
+7.6% QoQ
|
-$108.5M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.45%
+63.9% YoY
-5.9% QoQ
|
-0.63% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.61%
+9.2% YoY
-0.4% QoQ
|
-0.24% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
87.86%
-4.4% YoY
+1.1% QoQ
|
+20.14% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
4.67%
-26.8% YoY
-25.1% QoQ
|
+4.03% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
65.68%
+5.0% YoY
+7.4% QoQ
|
-8.85% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
29.25%
-6.0% YoY
+27.3% QoQ
|
+6.85% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
2.57%
-23.7% YoY
-22.7% QoQ
|
+2.12% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
17.80%
-1.6% YoY
-10.8% QoQ
|
+8.95% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.48%
-2.4% YoY
+20.3% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.67%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.57%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Tier 1 Capital Ratio
Current: 17.80% · Tier avg: 8.85%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.25% · Tier avg: 22.39%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.68% · Tier avg: 74.53%
66
66th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
20
20th pctile
Total Deposits
Current: $75.2M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $89.6M · Tier avg: $217.5M
19
19th pctile
Total Loans
Current: $49.4M · Tier avg: $139.2M
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
11
11th pctile
Efficiency Ratio
Current: 87.86% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 4.67% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.57% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.57% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.67% · Tier avg: 0.64%
11
11th pctile
Efficiency Ratio
Current: 87.86% · Tier avg: 67.73%
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
19
19th pctile
Total Loans
Current: $49.4M · Tier avg: $139.2M
19
19th pctile
Total Assets
Current: $89.6M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $75.2M · Tier avg: $183.7M
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
66
66th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.68% · Tier avg: 74.53%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.25% · Tier avg: 22.39%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.80% · Tier avg: 8.85%