First National Bank of Hope
Hope, Kansas · FDIC Cert #4690
First National Bank of Hope is an FDIC-insured bank (Certificate #4690) with $86M in total assets and $71M in total deposits as of the Q2 2024 Call Report. Headquartered in Hope, Kansas, the bank maintains a Tier 1 capital ratio of 18.72% (Well-Capitalized) and a nonperforming loan ratio of 2.57%. BankHealthData assigns a composite Health Grade of B (79/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First National Bank of Hope (FDIC cert 4690) is a community bank — $86M in total assets, $71M in deposits, serving the Hope, Kansas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 18.72% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.57% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 42.2% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is thin: ROA of 0.52% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. First National Bank of Hope carries a composite BankHealth grade of B (79/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First National Bank of Hope
- Total Assets
- $86M
- Total Deposits
- $71M
- Tier 1 Capital Ratio
- 18.72%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.57%
- Liquidity Ratio
- 42.17%
- Return on Assets
- 0.52%
- Headquarters
- Hope, Kansas
- FDIC Certificate
- #4690
- Health Grade
- B (79/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First National Bank of Hope holds a Tier 1 capital ratio of 18.72%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First National Bank of Hope has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First National Bank of Hope shows strong financial health indicators. With $86M in assets and a Health Score of 79/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First National Bank of Hope Compares
First National Bank of Hope’s Health Score of 79 is 10 points above the Kansas state average of 69 across 159 FDIC-insured banks. Its 18.72% Tier 1 capital ratio is 4.7 points above the US banking industry average near 14%. The 2.57% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.52% is below the national ROA benchmark of ~1.1%. Among 967 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, First National Bank of Hope is 9 points above the portfolio average of 70.
Frequently Asked Questions
First National Bank of Hope has a Bank Health Score of B (79/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 18.72%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First National Bank of Hope's Tier 1 capital ratio of 18.72% and nonperforming loan ratio of 2.57% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First National Bank of Hope is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4690). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First National Bank of Hope holds $86M in total assets and $71M in total deposits. It is headquartered in Hope, Kansas (FDIC Certificate #4690).
First National Bank of Hope has a Tier 1 capital ratio of 18.72%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.57%, and the return on assets is 0.52%.
Yes. First National Bank of Hope is FDIC-insured (Certificate #4690). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First National Bank of Hope's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.