PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $1.5MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $55.3M25%Noninterest $18.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.23%0.25%0.42%0.39%0.36%0.50%0.67%+25 bps
Return on Equity3.06%3.05%3.51%5.51%4.85%4.43%5.68%7.43%+192 bps
Net Interest Margin3.05%3.07%3.18%3.43%3.39%3.16%3.37%3.72%+29 bps
Efficiency Ratio91.79%91.95%90.84%85.99%86.91%87.86%83.04%79.28%-671 bps
Non-Interest Burden2.76%2.78%2.84%2.87%2.88%2.72%2.72%2.85%-3 bps
Growth
Asset Growth (YoY)10.03%6.18%1.14%-5.08%-8.97%2.42%0.15%1.57%+665 bps
Loan Growth (YoY)22.69%8.75%9.15%-0.90%-7.16%6.87%-0.02%-2.17%-126 bps
Deposit Growth (YoY)0.73%4.18%0.96%-0.22%-0.98%1.82%3.14%5.32%+554 bps
Asset Quality
Nonperforming Loans / Loans6.75%6.25%6.33%5.86%6.09%4.57%4.60%1.33%-453 bps
Net Charge-Offs / Loans0.03%0.02%0.07%-0.16%-0.13%-0.08%-0.01%0.17%+33 bps
Allowance / Loans1.95%1.95%1.88%2.12%2.25%1.95%2.04%2.09%-3 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.4x0.4x0.4x0.4x1.6x+1.2x
Capital
Tier 1 Leverage Ratio13.06%13.21%13.50%14.02%13.91%12.84%13.19%13.81%-21 bps
Total Risk-Based Capital19.35%19.34%19.30%20.28%21.22%19.05%19.82%21.41%+113 bps
Equity / Assets8.13%6.95%7.59%8.24%9.54%8.84%8.84%9.47%+123 bps
Liquidity & Funding
Loans / Deposits66.71%63.82%68.18%65.72%62.55%66.99%66.09%61.05%-467 bps
Liquid Assets / Assets0.79%0.80%0.29%0.30%0.00%0.00%0.00%0.00%-30 bps
CRE / Total Capitaln/an/an/an/a24.25%21.05%17.49%n/an/a