The First National Bank of Hope
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Hope is an FDIC-insured commercial bank headquartered in Hope, KS, established in 1923 (FDIC certificate 4690), and it is supervised by the OCC. At Q2 2026 it reported total assets of $83.4M, up 1.6% from Q2 2025, the 148th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 20.16% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4690
- Headquarters
- Hope, KS
- Established
- 1923
- Total assets, Q2 2026
- $83.4M
- Assets vs Q2 2025
- +1.6%
- CET1 ratio, Q2 2026
- 20.16%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101114031
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Hope Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- HOPE BANCSHARES, INC.
- Asset rank in state
- 148th of 182 in Kansas
Problem loans are falling at The First National Bank of Hope. Based in Hope, Kansas, it had $83 million in assets at June 30, 2026, up 1.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 1.33% of loans from 5.86% a year earlier.
Earnings jumped: net income for the quarter was $220,000, 47% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.0 million equal 34% of Tier 1 capital, down from 43% a year earlier.
As of June 30, 2026, The First National Bank of Hope reported a CET1 capital ratio of 20.16%, a return on assets of 1.04%, a nonperforming-loan ratio of 1.33% and a Texas ratio of 6.78%. The figures come from its call report filed with the FFIEC.
The First National Bank of Hope ranks as the 148th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.5% to $83.4M, loans fell 6.4% and deposits rose 1.3%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 56.3% of total loans, ahead of farmland and other real estate loans at 27.7%. Its 3 offices in the FDIC Summary of Deposits are in Hope, KS, Miltonvale, KS and Herington, KS; its Hope office books 65% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Hope meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 112 N Main St, Hope, KS 67451
- County
- Dickinson
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1923
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $74.1M
- Allowance for credit losses
- $945K
- Net charge-offs (YTD)
- $38K
- Average total assets
- $84.5M
- Average total loans
- $46.1M
- Average interest-bearing deposits
- $55.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4690
- Fed RSSD
- 870856
- Website
- https://www.fnbks.com →
- Parent Holding Company
- HOPE BANCSHARES, INC. (RSSD 1472079)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First National Bank of Hope's total assets ran between $79.8M (Q3 2023) and $89.6M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$83.4M total assets against $82.1M; $75.5M total liabilities against $75.3M.
$44.3M net loans and leases against $45.3M; $74.1M total deposits against $70.3M.
$31.9M securities against $29.9M; $3.5M cash and balances due against $2.8M.
$1.1M total interest income against $1.0M; $251K total interest expense against $285K.
$838K net interest income against $726K.
$100K total noninterest income against $105K; $712K total noninterest expense against $677K.
$2K provision for credit losses against $0.
$220K net income against $150K.
1.04% return on assets against 0.74%; 4.27% net interest margin against 3.87%.
20.16% CET1 capital ratio against 19.03%; 13.81% tier 1 leverage ratio against 14.02%.
Inside the full The First National Bank of Hope terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.14% (Q3 2024) to 1.04% (Q2 2026) and its net interest margin ran from 2.90% (Q3 2024) to 4.27% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.16% | 1.04% | 1.33% | 6.78% | 4.27% |
| Q1 2026 | 18.57% | 0.62% | 4.60% | 25.98% | 3.64% |
| Q4 2025 | 17.80% | 0.37% | 4.57% | 25.88% | 3.54% |
| Q3 2025 | 19.96% | 0.40% | 6.09% | 30.90% | 3.69% |
| Q2 2025 | 19.03% | 0.74% | 5.86% | 34.97% | 3.87% |
| Q1 2025 | 18.04% | 0.32% | 6.33% | 41.38% | 3.47% |
| Q4 2024 | 18.09% | 0.25% | 6.25% | 42.09% | 3.32% |
| Q3 2024 | 18.09% | -0.14% | 6.75% | 39.40% | 2.90% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Hope | Hope , KS | 67451 | $48.4M |
| Miltonvale Branch | Miltonvale , KS | 67466 | $15.1M |
| Herington Branch | Herington , KS | 67449 | $10.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 20, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 20, 2013 | Structure Change | Acquired The Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC)
- July 17, 2019, OCC: Formal Agreement: The First National Bank of Hope
- April 23, 1992, OCC: Formal Agreement: The First National Bank Of Hope
- Period: Most recent institution action July 17, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in KS, rank 173 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Hope
What are The First National Bank of Hope's total assets?
As of the Q2 2026 filing, The First National Bank of Hope reported total assets of $83.4 million in its FFIEC call report.
Where is The First National Bank of Hope headquartered?
It is headquartered in Hope, KS, United States.
When was The First National Bank of Hope founded?
It was established in 1923, per the FDIC institution directory.
Is The First National Bank of Hope FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4690). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Hope?
The First National Bank of Hope's primary federal regulator is the OCC.
What is The First National Bank of Hope's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.16% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Hope operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Hope's Texas Ratio?
Its Texas Ratio is 6.78% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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