The First National Bank of Hope: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 52.27 percentage points higher than in Q1 2026, at 88.57%. Within Kansas, The First National Bank of Hope is 145th of 182 on return on assets, 1.04% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. The First National Bank of Hope sits 0.06 points higher, at 1.04% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.16% |
| Tier 1 risk-based capital ratio | 20.16% |
| Total risk-based capital ratio | 21.41% |
| Tier 1 leverage ratio | 13.81% |
| Equity capital to assets | 9.47% |
| Tangible equity to tangible assets | 9.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.36% |
| Non-performing assets ratio | 1.28% |
| Net charge-off ratio | 0.34% |
| Texas ratio | 12.06% |
| Allowance for credit losses to loans | 2.09% |
| Reserve coverage of non-performing loans | 88.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 11.38% |
| Net interest margin | 4.27% |
| Efficiency ratio | 74.37% |
| Yield on earning assets | 5.52% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.05% |
| Core deposits to total deposits | 92.73% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.84% |
| Securities to assets | 38.25% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.93% | 20.93% | 22.19% | 13.54% | 0.65% |
| Q4 2023 | 19.77% | 19.77% | 21.02% | 13.79% | 0.75% |
| Q1 2024 | 19.45% | 19.45% | 20.70% | 13.44% | 0.48% |
| Q2 2024 | 18.72% | 18.72% | 19.97% | 13.23% | 0.53% |
| Q3 2024 | 18.09% | 18.09% | 19.35% | 13.06% | -0.14% |
| Q4 2024 | 18.09% | 18.09% | 19.34% | 13.21% | 0.25% |
| Q1 2025 | 18.04% | 18.04% | 19.30% | 13.50% | 0.32% |
| Q2 2025 | 19.03% | 19.03% | 20.28% | 14.02% | 0.74% |
| Q3 2025 | 19.96% | 19.96% | 21.22% | 13.91% | 0.40% |
| Q4 2025 | 17.80% | 17.80% | 19.05% | 12.84% | 0.37% |
| Q1 2026 | 18.57% | 18.57% | 19.82% | 13.19% | 0.62% |
| Q2 2026 | 20.16% | 20.16% | 21.41% | 13.81% | 1.04% |
The First National Bank of Hope vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Hope, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)