Hope, KS · Cert 4690 · Hope Bancshares Inc.
National charter · OCC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.39% | 0.36% | 0.50% | 0.67% | +25 bps | |
| Return on Equity | 5.51% | 4.85% | 4.43% | 5.68% | 7.43% | +192 bps | |
| Net Interest Margin | 3.43% | 3.39% | 3.16% | 3.37% | 3.72% | +29 bps | |
| Efficiency Ratio | 85.99% | 86.91% | 87.86% | 83.04% | 79.28% | -671 bps | |
| Non-Interest Burden | 2.87% | 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 / Loans | 5.86% | 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 / Loans | 2.12% | 2.25% | 1.95% | 2.04% | 2.09% | -3 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 1.6x | +1.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.02% | 13.91% | 12.84% | 13.19% | 13.81% | -21 bps | |
| Total Risk-Based Capital | 20.28% | 21.22% | 19.05% | 19.82% | 21.41% | +113 bps | |
| Equity / Assets | 8.24% | 9.54% | 8.84% | 8.84% | 9.47% | +123 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.72% | 62.55% | 66.99% | 66.09% | 61.05% | -467 bps | |
| Liquid Assets / Assets | 0.30% | 0.00% | 0.00% | 0.00% | 0.00% | -30 bps | |
| CRE / Total Capital | n/a | 24.25% | 21.05% | 17.49% | n/a | n/a | |