# FIRST NATIONAL BANK OF HOPE
HOPE, KS · FDIC certificate 4690 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $83.4M | |
| Deposits | $74.1M | |
| Loans and leases | $45.2M | |
| Total equity | $7.9M | |
| Loans / deposits | 59.77% (p30 of band) | 73.59% |
| Liquid assets / assets | 42.42% (p67 of band) | |
| Uninsured deposits / deposits | 13.09% (p25 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.14% (p55 of band) | |
| FHLB advances / assets | 1.14% | |
| Tier 1 leverage | 13.81% (p69 of band) | 11.76% |
| Unrealized securities loss / equity | -50.25% (p6 of band) | -6.57% |
| AOCI / equity | -2.85% (p7 of band) | |
| ROA (annualized) | 0.82% (p31 of band) | 1.17% |
| Net interest margin | 3.94% (p51 of band) | 3.93% |
| Efficiency ratio | 79.28% (p77 of band) | |
| Noncurrent loans | 1.33% (p77 of band) | 0.36% |
| Net charge-offs (annualized) | 0.09% (p86 of band) | |
| Reserve coverage of noncurrent | 157.50% | |
| Real estate % of loans | 36% | |
| Construction % of loans | 8.15% (p35 of band) | |
| Auto loans | $1.1M (2.38% of loans; DQ 0.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 | capital falling | reserve under noncurrent |
| 2012-06 | 1 | uninsured deposits leaving | capital falling |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 4 | noncurrent p90, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 4 | capital falling, charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2015-06 | 2 |  | capital falling, charge-offs p90 |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | charge-offs p90 |  |
| 2016-03 | 4 | capital falling |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | capital falling |
| 2016-12 | 2 |  | charge-offs p90 |
| 2017-03 | 4 | capital falling, charge-offs p90 |  |
| 2017-06 | 3 |  | capital falling |
| 2017-09 | 2 |  | charge-offs p90 |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | capital falling, charge-offs p90 |  |
| 2018-06 | 3 |  | capital falling |
| 2018-09 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2019-03 | 4 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2019-12 | 4 | capital falling |  |
| 2020-03 | 3 |  | capital falling |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 7 | losing money, expense ratio p90, NIM <2.5%, uninsured deposits leaving |  |
| 2021-06 | 8 | deposits shrinking, assets shrinking | expense ratio p90 |
| 2021-09 | 5 |  | losing money, deposits shrinking, assets shrinking |
| 2021-12 | 4 |  | uninsured deposits leaving |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | charge-offs p90, NIM <2.5% |
| 2022-06 | 7 | charge-offs p90, assets shrinking, uninsured deposits leaving |  |
| 2022-09 | 5 |  | charge-offs p90, uninsured deposits leaving |
| 2022-12 | 5 |  |  |
| 2023-03 | 5 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 |  | assets shrinking, deposits shrinking |
| 2023-09 | 4 | AOCI drag >20% of equity |  |
| 2023-12 | 3 |  | AOCI drag >20% of equity |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | capital falling |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | assets shrinking |  |
| 2025-09 | 5 | uninsured deposits leaving |  |
| 2025-12 | 4 | capital falling | assets shrinking, uninsured deposits leaving |
| 2026-03 | 3 |  | capital falling |
| 2026-06 | 1 |  | noncurrent p90, reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-07-02 [Ann Elizabeth(Davidson) Teach Obituary Jul 2, 2017 - Dove Cremations & Funerals](https://news.google.com/rss/articles/CBMidEFVX3lxTFA3c0tZN1ROaHVUYzJYaVAzTFRrSTA3ZDdqdk1QM1VfcWU1VG1IZGNUbkcxRjYyeVdybEd2WGlWUWxuU3ktcGZldVpEVlJya2hPN2E2VUprUm9nM1lvOGNmZXRmOHBiRzQ0U1FKRHFGN2lIY191?oc=5) · Dove Cremations &amp; Funerals
- 2025-08-08 [Award Winning Quilt to be raffled at Tootlefest. - KCLY Radio](https://news.google.com/rss/articles/CBMiigFBVV95cUxQaFZsSU9BTWltWk8tUzZFWjF3dXlmOFR3eTMxTXdDT0NiZlhvaTRUaGxCYzhsMzA0bEg2eGdVNUJsV3l1SF9tRjdkOHFpb1NvWmZWaTIzWEN2VmZDUUliUE1WYjNKMThwLUtjUUhYd1FkODhPUnByRDRXcGlnSVNsWHVFR216bTRCZ1E?oc=5) · KCLY Radio
- 2025-08-21 [Opal Louise Ryff - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTE91LVpWU3NMa1NlWk9sc2s3cy12TUFOYXlrN1JkTTdOQXh2V3ZKT2dDX2VsUHhwdk82UVhpZ2NSakxaY0NUOFhsTkZZUWg3dHoxSTY2eUF1dC1mcnMxRHVCbHpKdDdBZjdHanczMkl4WUY3WXM?oc=5) · Salina Post
- 2025-08-20 [Tootlefest is Back! - Concordia Blade Empire](https://news.google.com/rss/articles/CBMiaEFVX3lxTE43QmFGLUdlVVZJYWtMR2U4YkFDYjNFU2ZleDlndF9MOXJrWnFsby1fd1BqaE5IVHB1OC05dVNUYUdWUjA5VjlIQ0RVdmtJODVpb2JnOVBwSXA2cjl6bmcyTmZxYUlGQklf?oc=5) · Concordia Blade Empire
- 2017-07-14 [Ann Elizabeth (Davidson) Teach - abilene-rc.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxPY2RTSHZEajdoeG5rMVhlV0UwWjRxV1VkYVpfS2czbWtaM1dLdTFFMDFSMmZMZ2J3UTRzaVludUxHSVdXdUZOdGtUQmNnQVltaXFlR3NxVFZJY2JjMk94VXRPNVA4R0ZNazBPX3Z3RExfYnBIMWlyV2xQcW1zdHN5Ukt0RFhENHhUX2hQejlib09SMWZCN3NpWXY1NXNzbzBWczd0T1A1SXZrcVM0N2p0dkxrNHN3Qmc?oc=5) · abilene-rc.com
- 2017-07-13 [Ann Teach Obituary (2017) - Topeka, KS - Topeka Capital-Journal - Legacy obituary](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPYlhpNndTeEpkcWhhVmpxOThPRkhaVjlnbHo1RlJhV1hSUXBHdlBaaXlJdWtsYTNsSmVocWtfZmJZNHF1aHh6MDBBbFJZbkVIXzYtQU56ZDlWWkRnZFZCbi1Id2xidlJCVFpLODB6dnJ5Y3E0UXloQjgzYUhUN3dZZFV5YTZMLWJs?oc=5) · Legacy obituary
- 2024-10-23 [Best Cities for Prairie School Architecture In America - 24/7 Wall St.](https://news.google.com/rss/articles/CBMipgFBVV95cUxNdHI2N3d5WWwzTnpiOXZGM0lyMW55bXFVV0xlVlNGQTlMNDI1X2R0VHNHY3hqekRGQ1l2d3Z1MjJFNENVWVljSV80NmFOUXE1WEZiTDZ0cG9HRzFxYXFxTC0xVmVXOHlOQnFFT3ozbUtja1drYVdCT1MydXZKaUdyMkRPZEhiWUY0VnRkZkVJMTJqMWUxaWt5SVMwR2VjTHFmZnQxdWxR?oc=5) · 24/7 Wall St.

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4690 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "4690", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide