PackageTrendsPeer
Letter portraitLegal landscape

First National Bank of Hope, The

Hope, KS · Cert 4690 · Hope Bancshares Inc.

National charter · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

69

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

3

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Hope, The

Hope, KS · Cert 4690 · Hope Bancshares Inc.

National charter · OCC · 3 branches

Q2 2026

$83.4MAssets
$45.2MLoans
$74.1MDeposits
$7.9MEquity
Loan mix
81%RE $16.4M11%C&I $2.3M8%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $55.3M25%Noninterest $18.8MQ2 2025Q2 2026

NIM

4.79%Q2 ’244.90%Q2 ’254.97%Q2 ’26+5%+9%

Non-interest income vs. expense

3.22%Q2 ’243.39%Q2 ’253.34%Q2 ’26+5%-1%

Executive Summary

  • Earnings: ROA of 0.67%, up 25 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 1.33% of loans (-453 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 13.81%, down 21 bps from a year ago.
  • Funding: loans stand at 61.05% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+29 bps YoY

Efficiency Ratio (YTD, annualized)

79.28%-671 bps YoY

Tier 1 Leverage Ratio

13.81%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.39%0.36%0.50%0.67%+25 bps
Return on Equity5.51%4.85%4.43%5.68%7.43%+192 bps
Net Interest Margin3.43%3.39%3.16%3.37%3.72%+29 bps
Efficiency Ratio85.99%86.91%87.86%83.04%79.28%-671 bps
Non-Interest Burden2.87%2.88%2.72%2.72%2.85%-3 bps
Growth
Asset Growth (YoY)-5.08%-8.97%2.42%0.15%1.57%+665 bps
Loan Growth (YoY)-0.90%-7.16%6.87%-0.02%-2.17%-126 bps
Deposit Growth (YoY)-0.22%-0.98%1.82%3.14%5.32%+554 bps
Asset Quality
Nonperforming Loans / Loans5.86%6.09%4.57%4.60%1.33%-453 bps
Net Charge-Offs / Loans-0.16%-0.13%-0.08%-0.01%0.17%+33 bps
Allowance / Loans2.12%2.25%1.95%2.04%2.09%-3 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.4x1.6x+1.2x
Capital
Tier 1 Leverage Ratio14.02%13.91%12.84%13.19%13.81%-21 bps
Total Risk-Based Capital20.28%21.22%19.05%19.82%21.41%+113 bps
Equity / Assets8.24%9.54%8.84%8.84%9.47%+123 bps
Liquidity & Funding
Loans / Deposits65.72%62.55%66.99%66.09%61.05%-467 bps
Liquid Assets / Assets0.30%0.00%0.00%0.00%0.00%-30 bps
CRE / Total Capitaln/a24.25%21.05%17.49%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Hope, The

Hope, KS · Cert 4690 · Peer group: banks under $1B in assets in KS (n=98) · Hope Bancshares Inc.

National charter · OCC · 3 branches

Q2 2026

$83.4MAssets
$45.2MLoans
$74.1MDeposits
$7.9MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 86% of banks under $1B in assets in KS (rank 14 of 98).
  • Widest gap: efficiency ratio trails 97% of banks under $1B in assets in KS (rank 96 of 98).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.69%

Rank 91 of 98

Net Interest Margin

3.72%

Rank 36 of 98

Efficiency Ratio

79.28%

Rank 96 of 98

Equity / Assets

9.47%

Rank 65 of 98

Non-interest income vs. expense

$0.4M$2.8MINCOMEEXPENSE
Unfavorable gap of $2.4M · efficiency ratio beats 3% of banks under $1B in assets in KS
Bank 79.28%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.69%1.03%1.24%1.54%Beats 7%91 / 98
Return on Equity7.33%8.85%11.58%14.73%Beats 13%85 / 98
Net Interest Margin3.72%3.24%3.62%3.91%Beats 63%36 / 98
Efficiency Ratio79.28%51.87%58.88%64.74%Beats 3%96 / 98
Asset Quality
Nonperforming Loans / Loans1.33%0.01%0.33%1.05%Beats 21%78 / 98
Net Charge-Offs / Loans0.09%n/a0.00%0.03%Beats 15%84 / 98
Capital
Tier 1 Capital Ratio20.16%11.81%13.71%17.33%Beats 86%14 / 98
Total Risk-Based Capital Ratio21.41%11.81%14.13%17.45%Beats 86%14 / 98
Equity / Assets9.47%8.60%11.34%13.10%Beats 34%65 / 98
Liquidity & Funding
Loans / Deposits61.05%57.09%69.84%82.47%36th pctl63 / 98
Loans / Assets54.23%49.34%58.31%68.94%41st pctl58 / 98
Brokered Deposits / Depositsn/aNot reported for this institution