FIRST NATIONAL BANK OF HOPE, THE

HOPE, KS | Micro | Est. Jan. 1, 1923, midnight | FDIC #4690 | RSSD #870856 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF HOPE, THE is amn micro FDIC-insured commercial bank headquartered in HOPE, KS, established in Jan. 1, 1923, midnight. As of 2025-12-31, the bank reported total assets of $90M and total deposits of $75M. Profitability stands at 0.39% ROA and 4.22% ROE, with a net interest margin of 3.74%. The bank's CET1 capital ratio is 17.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 4.57% and a Texas Ratio of 25.88%. FDIC Certificate #4690.

Assets

$90M

Deposits

$75M

Loans

$50M

Equity

$8M

Profitability

Return on Assets (ROA) 0.39%
Return on Equity (ROE) 4.22%
Net Interest Margin (NIM) 3.74%
Yield on Assets 5.17%
Cost of Funds 1.89%

Asset Quality

NPL Ratio 4.57%
Net Charge-Off Ratio -0.08%
Texas Ratio 25.88%
NPA Ratio 2.57%
ACL / Loans 1.95%

Capital & Liquidity

CET1 Ratio 17.80%
Tier 1 Capital 17.80%
Total Capital Ratio 19.05%
Leverage Ratio 12.84%
Loan-to-Deposit 66.99%

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