Total Assets
$90M
Total balance-sheet footings
FDIC Cert #4690 · Hope, Kansas · Est. 1923
The First National Bank of Hope - FDIC Bank Health Profile
A community-scale look at The First National Bank of Hope's own numbers, pulled straight from its quarterly FDIC Call Report.
- $90M
- Total assets
- C
- Health grade · Fair
- 0.45%
- Return on assets
- 17.8%
- Tier 1 capital
Data updated July 2026
The verdict
The First National Bank of Hope earns a PlainBankData health grade of C (57/100), with well-capitalized at 17.80% Tier 1, 0.45% ROA, 88% efficiency ratio.
- #3,818
- largest of 4,313 FDIC banks by assets
- 11th
- percentile by asset size, nationally
- 17.80%
- Tier 1 ratio - above the 10% well-capitalized line
- 14th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The First National Bank of Hope's 57/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The First National Bank of Hope's composite health score
Tier 1 Capital Ratio (17.80%) 40/40
Return on Assets (ROA) (0.45%) 7/25
Texas Ratio (25.88%) 10/20
Efficiency Ratio (87.86%) 0/15
57 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$75M
Customer-funded liabilities
Net Loans
$49M
Outstanding loan book
Net Income
$383K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First National Bank of Hope ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Hope's score of 57/100 falls in the highlighted band.
The First National Bank of Hope's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The First National Bank of Hope's $90M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.80% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.80%
Texas Ratio
25.88%
Equity Capital
$8M
Profitability metrics
Return on Assets (ROA)
14th percentile nationally
0.45%
Return on Equity (ROE)
5.49%
Efficiency Ratio
87.86%
What the numbers say about The First National Bank of Hope
The First National Bank of Hope is an FDIC-insured institution (Certificate #4690) headquartered in Hope, Kansas, established in 1923. It holds $90M in total assets - 3,818th of 4,313 FDIC-insured banks, $75M in customer deposits, and $49M in net loans. Looking at capital strength, Tier 1 stands at 17.80%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 25.88%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (57/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, The First National Bank of Hope ranks 143rd of 188 banks based in Kansas -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$4M
Interest Income
$426K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Hope reports a Texas Ratio of 25.88% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
25.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Hope (FDIC Cert #4690) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is The First National Bank of Hope's health grade?▼
The First National Bank of Hope receives a health grade of C (57/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The First National Bank of Hope?▼
The First National Bank of Hope holds $90M in total assets and $75M in deposits, ranking 3,818th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hope, Kansas.
Is my money safe at The First National Bank of Hope?▼
Yes, deposits at The First National Bank of Hope (Certificate #4690) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The First National Bank of Hope's Tier 1 Capital Ratio?▼
The First National Bank of Hope has a Tier 1 Capital Ratio of 17.80%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The First National Bank of Hope?▼
The First National Bank of Hope has a Texas Ratio of 25.88%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The First National Bank of Hope?▼
The First National Bank of Hope has an Efficiency Ratio of 87.86%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The First National Bank of Hope's profile as a depositor or analyst.
- The First National Bank of Hope's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First National Bank of Hope against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.