The First National Bank of Hope: how it compares with its peers
Against 59 KS banks with half to twice its assets, The First National Bank of Hope's strongest measure in Q2 2026 is net interest margin (3.94% vs. a 3.95% peer median). Its weakest relative measure is efficiency ratio (79.28% vs. 59.60%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.82% | 1.35% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.94% | 3.95% | Middle third Ahead of 49% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.28% | 59.60% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $7.2M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.77% | 70.71% | Context |
What it means for lending operations
Its efficiency ratio of 79.28% is above the 59.60% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First State Bank Ness City, KS · $84M
- The Farmers State Bank Wathena, KS · $85M
- The Farmers State Bank Holton, KS · $86M
- CBW Bank Weir, KS · $81M
- The Howard State Bank, Howard, Kansas Howard, KS · $80M
- FNB Washington Washington, KS · $88M
Questions about The First National Bank of Hope
How big is The First National Bank of Hope?
The First National Bank of Hope, established in 1923, is headquartered in Hope, KS. It reported $83M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The First National Bank of Hope's return on assets?
0.82% annualized in Q2 2026, against a 1.35% median for 59 KS banks with half to twice its assets, ahead of 14% of them.
What is The First National Bank of Hope's efficiency ratio?
79.28% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 59.60%, and lower is better.
Is The First National Bank of Hope growing its loans?
Net loans shrank 2.1% over the year to Q2 2026, while deposits grew 5.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.