The First National Bank of Hutchinson
Also written as FNB of Hutchinson
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Hutchinson is an FDIC-insured commercial bank headquartered in Hutchinson, KS, supervised by the OCC, with $1.21B in total assets at Q2 2026, up 3.7% from Q2 2025, the 16th largest of 182 banks headquartered in Kansas. It was established in 1876 and holds FDIC certificate 4697. Its CET1 capital ratio was 15.17% 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
- 4697
- Headquarters
- Hutchinson, KS
- Established
- 1876
- Total assets, Q2 2026
- $1.21B
- Assets vs Q2 2025
- +3.7%
- CET1 ratio, Q2 2026
- 15.17%
- Domestic offices
- 8 · The First National Bank of Hutchinson branches FDIC institution directory, current count
- Routing number
- 101100171
- Safety and soundness
- Is The First National Bank of Hutchinson safe?
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Hutchinson Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- FIRST KANSAS BANCSHARES, INC.
- Asset rank in state
- 16th of 182 in Kansas
The First National Bank of Hutchinson, based in Hutchinson, Kansas, reported $1.2 billion in assets at June 30, 2026, up 3.7% from a year earlier. It holds about a fifth of its deposits (16%) above the FDIC insurance limit, about half the median of 30.9% for the 880 banks with $1 billion to $10 billion in assets. It also shrank its loan book 0.2% over the year, lower than about three-quarters of banks its size (median 6.0%).
Earnings jumped: net income for the quarter was $4.4 million, 33% above the same quarter a year earlier. Its $115 million commercial and industrial book is improving, with 2.08% past due or on nonaccrual, down from 3.26% a year earlier.
As of June 30, 2026, The First National Bank of Hutchinson reported a CET1 capital ratio of 15.17%, a return on assets of 1.44%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 2.37%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, The First National Bank of Hutchinson is the 16th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $1.21B, loans fell 1.7% and deposits rose 1.2%. Non-owner-occupied commercial real estate loans made up 29.0% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 19.9%. The FDIC Summary of Deposits lists 8 offices for it, in 4 cities in KS; its Hutchinson 5 offices book 88% of its branch deposits. On its Q2 2026 call report, The First National Bank of Hutchinson meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 N Main St, Hutchinson, KS 67501
- County
- Reno
- Metro Area
- Hutchinson, KS
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 2, 1876
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 176
- Domestic deposits
- $1.04B
- Allowance for credit losses
- $12.8M
- Net charge-offs (YTD)
- $230K
- Average total assets
- $1.23B
- Average total loans
- $885.4M
- Average interest-bearing deposits
- $882.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4697
- Fed RSSD
- 754853
- Website
- www.fnbhutch.bank →
- Parent Holding Company
- FIRST KANSAS BANCSHARES, INC. (RSSD 1139354)
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 Hutchinson's total assets ran between $1.03B (Q3 2023) and $1.25B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.21B total assets against $1.16B; $1.08B total liabilities against $1.05B.
$873.0M net loans and leases against $874.9M; $1.04B total deposits against $999.2M.
$178.0M securities against $134.6M; $93.7M cash and balances due against $93.5M.
$16.2M total interest income against $15.6M; $5.5M total interest expense against $6.5M.
$10.7M net interest income against $9.1M.
$3.7M total noninterest income against $3.3M; $8.5M total noninterest expense against $8.1M.
$300K provision for credit losses against $200K.
$4.4M net income against $3.3M.
1.44% return on assets against 1.12%; 3.65% net interest margin against 3.20%.
15.17% CET1 capital ratio against 13.72%; 11.49% tier 1 leverage ratio against 11.04%.
Inside the full The First National Bank of Hutchinson terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The First National Bank of Hutchinson rankings
Its closest position to the top of a national ranking is 880 of 4,196, for total assets; its furthest is 874 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.89% (Q4 2024) to 1.68% (Q4 2025) and its net interest margin ran from 2.89% (Q3 2024) to 3.65% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.17% | 1.44% | 0.33% | 2.37% | 3.65% |
| Q1 2026 | 14.64% | 1.37% | 0.39% | 2.57% | 3.46% |
| Q4 2025 | 14.28% | 1.68% | 0.38% | 2.57% | 3.45% |
| Q3 2025 | 14.35% | 1.27% | 0.42% | 2.83% | 3.32% |
| Q2 2025 | 13.72% | 1.12% | 0.43% | 3.04% | 3.20% |
| Q1 2025 | 13.33% | 1.19% | 0.08% | 0.58% | 3.06% |
| Q4 2024 | 12.82% | 0.89% | 0.10% | 0.75% | 3.04% |
| Q3 2024 | 12.97% | 0.94% | 0.02% | 0.18% | 2.89% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 Hutchinson | Hutchinson , KS | 67501 | $687.4M |
| North Main Branch | Hutchinson , KS | 67502 | $70.2M |
| East 17th Branch | Hutchinson , KS | 67501 | $65.5M |
| Drive-In Branch | Hutchinson , KS | 67501 | $62.3M |
| Goddard Branch | Goddard , KS | 67052 | $48.0M |
| Andale Branch | Andale , KS | 67001 | $44.7M |
| Dillons Branch | Hutchinson , KS | 67502 | $33.0M |
| Haven Branch | Haven , KS | 67543 | $28.2M |
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 |
|---|---|---|---|
| September 24, 2012 | M&A | Acquired The First National Bank of Southern Kansas merger for the acquired bank | SEC |
| September 24, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 24, 2012 | Structure Change | Acquired The First National Bank of Southern Kansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 10, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 8, 2010 | M&A | Acquired BankHaven merger for the acquired bank | SEC |
| May 8, 2010 | Structure Change | Acquired BankHaven 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 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in KS, rank 26 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 263 applications, 245 loans originated, $47.8M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.6M approved, $795K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Hutchinson
What are The First National Bank of Hutchinson's total assets?
As of the Q2 2026 filing, The First National Bank of Hutchinson reported total assets of $1.21 billion in its FFIEC call report.
Where is The First National Bank of Hutchinson headquartered?
It is headquartered in Hutchinson, KS, United States.
When was The First National Bank of Hutchinson founded?
It was established in 1876, per the FDIC institution directory.
Is The First National Bank of Hutchinson FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4697). 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 Hutchinson?
The First National Bank of Hutchinson's primary federal regulator is the OCC.
What is The First National Bank of Hutchinson's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.17% 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 Hutchinson operate?
It operates 8 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 Hutchinson's Texas Ratio?
Its Texas Ratio is 2.37% 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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