BlastPoint's Banking Scorecard
The First National Bank of Hutchinson
Community
Specialty: Commercial
KS
FDIC cert 4697
Hutchinson, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
The First National Bank of Hutchinson demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 42% in Community
- + Non-Interest-Bearing Deposit Share 31.09% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+4.8% YoY
+6.0% QoQ
|
-$136.7M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$891.9M
+0.1% YoY
+3.2% QoQ
|
-$83.6M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$1.1B
+2.7% YoY
+7.0% QoQ
|
-$104.7M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.33%
+44.6% YoY
+8.9% QoQ
|
+0.17% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
3.35%
+12.9% YoY
+0.8% QoQ
|
-0.31% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
61.75%
-9.5% YoY
-1.8% QoQ
|
-0.88% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.39%
+295.3% YoY
-9.6% QoQ
|
-0.24% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
84.15%
-2.5% YoY
-3.5% QoQ
|
+1.08% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
52.13%
+16.9% YoY
+5.1% QoQ
|
+31.09% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.28%
+277.7% YoY
-12.0% QoQ
|
-0.22% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
14.28%
+11.3% YoY
-0.5% QoQ
|
+4.03% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
1.22%
+10.7% YoY
+31.7% QoQ
|
+0.48% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#158 of 371 · Top 42% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.22%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.33%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Community
Why this stands out
Current:
52.13%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 52.13% · Tier avg: 21.05%
91
91th pctile
Non-Interest Income / Assets
Current: 1.22% · Tier avg: 0.74%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.28% · Tier avg: 10.24%
65
65th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
64
64th pctile
Total Loans
Current: $891.9M · Tier avg: $975.5M
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
61
61th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
56
56th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
55
55th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
51
51th pctile
Efficiency Ratio
Current: 61.75% · Tier avg: 62.63%
48
48th pctile
Loan-to-Deposit Ratio
Current: 84.15% · Tier avg: 83.06%
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
Top Weaknesses
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
48
48th pctile
Loan-to-Deposit Ratio
Current: 84.15% · Tier avg: 83.06%
51
51th pctile
Efficiency Ratio
Current: 61.75% · Tier avg: 62.63%
55
55th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
61
61th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
64
64th pctile
Total Loans
Current: $891.9M · Tier avg: $975.5M
65
65th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.28% · Tier avg: 10.24%
91
91th pctile
Non-Interest Income / Assets
Current: 1.22% · Tier avg: 0.74%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 52.13% · Tier avg: 21.05%