The First National Bank of Hope: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Hope of Hope, KS against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.04% | 3.13% | -2.09% | 50th above |
| ROAE | 11.38% | 10.30% | +1.08% | 65th above |
| Net Interest Margin | 4.27% | 3.94% | +0.33% | 66th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 74.37% | 76.32% | -1.95% | 42nd below |
| PPNR / Avg Assets | 1.07% | 1.40% | -0.33% | 42nd below |
| Yield on Earning Assets | 5.52% | 5.35% | +0.17% | 62nd above |
| Cost of Funds | 1.35% | 1.70% | -0.35% | 61st above |
| Net Interest Spread | 3.78% | 3.32% | +0.46% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.36% | 1.33% | +1.03% | 15th bottom |
| NPA / Total Assets | 1.28% | 0.71% | +0.57% | 16th bottom |
| NCO / Avg Loans | 0.34% | 0.10% | +0.24% | 6th bottom |
| ACL / Total Loans | 2.09% | 1.49% | +0.60% | 84th top |
| ACL / NPLs (Coverage) | 88.57% | 867.83% | -779.26% | 36th below |
| Texas Ratio | 12.06% | 8.25% | +3.81% | 17th bottom |
| Provision / NCO | 0.00% | 291.61% | -291.61% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.16% | 62.37% | -42.21% | 45th below |
| Tier 1 Ratio | 20.16% | 62.38% | -42.22% | 45th below |
| Total Capital Ratio | 21.41% | 63.35% | -41.94% | 46th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.81% | 17.65% | -3.84% | 56th above |
| Equity / Assets | 9.47% | 16.46% | -6.99% | 21st bottom |
| TCE / Tangible Assets | 9.47% | 16.21% | -6.74% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.05% | 72.86% | -11.81% | 60th above |
| Core Deposit Ratio | 92.73% | 88.27% | +4.46% | 58th above |
| Wholesale Funding Ratio | 1.14% | 5.20% | -4.06% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.57% | 4.27% | -2.70% | 43rd below |
| Loan Growth (Y/Y) | -2.17% | 6.77% | -8.94% | 30th below |
| Deposit Growth (Y/Y) | 5.32% | 3.72% | +1.60% | 67th above |
See The First National Bank of Hope's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Hope, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of Hope profile, how to read a UBPR, or how this data updates.