The First National Bank of Hope: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.05 percentage points lower than in Q1 2026, at 61.05%. The First National Bank of Hope ranks 137th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 61.05% (Q2 2026). The First National Bank of Hope reported 61.05% on loan-to-deposit ratio for Q2 2026, 6.58 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $45.2M |
| Net loans and leases | $44.3M |
| Loans held for sale | $0 |
| Loans to total assets | 54.23% |
| Loan-to-deposit ratio | 61.05% |
| Net loans to equity capital | 5.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.11% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.54% |
| Consumer | 2.99% |
| Credit cards | 0.00% |
| Farm | 27.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 16.25% |
| Construction concentration (Tier 1 capital + allowance) | 5.10% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.50% |
| Interest income on loans | $864K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $38.4M | $70.1M | 5.05% | 5.53% | 3.89% |
| Q4 2023 | $43.3M | $70.9M | 4.51% | 4.61% | 3.37% |
| Q1 2024 | $44.3M | $70.2M | 4.18% | 4.34% | 3.40% |
| Q2 2024 | $46.7M | $70.5M | 3.82% | 4.66% | 3.17% |
| Q3 2024 | $47.1M | $70.6M | 3.75% | 5.11% | 3.16% |
| Q4 2024 | $47.1M | $73.8M | 3.65% | 3.96% | 2.85% |
| Q1 2025 | $48.3M | $70.9M | 3.41% | 5.83% | 2.54% |
| Q2 2025 | $46.2M | $70.3M | 3.59% | 3.74% | 2.89% |
| Q3 2025 | $43.7M | $69.9M | 3.62% | 4.85% | 3.12% |
| Q4 2025 | $50.4M | $75.2M | 3.17% | 2.89% | 3.04% |
| Q1 2026 | $48.3M | $73.1M | 3.19% | 4.82% | 3.18% |
| Q2 2026 | $45.2M | $74.1M | 3.11% | 4.54% | 2.99% |
The First National Bank of Hope loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Hope, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Hope profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4690) · FFIEC NIC profile (RSSD 870856)