The First National Bank of Hope

Overview / Commentary

www.fnbks.com

785-366-7225

112 North Main Street
Hope, KS 67451-0067

The First National Bank of Hope is headquartered in Hope and is the 150^th largest bank in the state of Kansas. It is also the 4,193^rd largest bank in the nation. It was established in 1923 and as of September of 2021, it had grown to 19 employees at 3 locations. The First National Bank of Hope has a B health rating.

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Health

Data as of Q3 2021

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First National Bank of Hope has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	4690
Year Established	1923
Employees	19
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.41%
Return on Equity - YTD	3.66%
Annual Interest Income	$1.8MM

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$87.7MM$91.2MM
Loans	Q3 2021vs Q3 2020	$43.2MM$50.7MM
Deposits	Q3 2021vs Q3 2020	$72.7MM$75.7MM
Equity Capital	Q3 2021vs Q3 2020	$10.1MM$10.4MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$1.2MM$1.2MM
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$2.7MM$4.3MM
Real Estate Owned	Q3 2021vs Q3 2020	$59.00K$118.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The First National Bank of Hope Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$50k^*	-	Health Savings Account
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $50k
0.10%	$100	-	Passbook Savings
0.10%	$100	-	Business Passbook Savings

The First National Bank of Hope Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$50k^*	-	Business 1st Interest Money Market Checking
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $50k
0.20%^*	$50k^*	-	1st Interest Money Market Checking
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $50k

The First National Bank of Hope Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%^*	$50k^*	-	1st Interest Checking
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $50k

The First National Bank of Hope CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$50k^*	-	60 Month Preferred Customer CD
OTHER TIERS: 0.40% → $10k - $50k
0.50%^*	$50k^*	-	Business 60 Month Preferred Customer CD
OTHER TIERS: 0.40% → $10k - $50k
0.45%^*	$50k^*	-	60 Month CD
OTHER TIERS: 0.35% → $10k - $50k
0.45%^*	$50k^*	-	48 Month Preferred Customer CD
OTHER TIERS: 0.35% → $10k - $50k
0.45%^*	$50k^*	-	Business 48 Month Preferred Customer CD
OTHER TIERS: 0.35% → $10k - $50k
0.45%^*	$50k^*	-	Business 60 Month CD
OTHER TIERS: 0.35% → $10k - $50k
0.40%^*	$50k^*	-	48 Month CD
OTHER TIERS: 0.30% → $10k - $50k
0.40%^*	$50k^*	-	30 Month Preferred Customer CD
OTHER TIERS: 0.25% → $500 - $10k \| 0.30% → $10k - $50k
0.40%^*	$50k^*	-	36 Month Preferred Customer CD
OTHER TIERS: 0.25% → $500 - $10k \| 0.30% → $10k - $50k
0.40%^*	$50k^*	-	Business 30 Month Preferred Customer CD
OTHER TIERS: 0.25% → $500 - $10k \| 0.30% → $10k - $50k
0.40%^*	$50k^*	-	Business 36 Month Preferred Customer CD
OTHER TIERS: 0.25% → $500 - $10k \| 0.30% → $10k - $50k
0.40%^*	$50k^*	-	Business 48 Month CD
OTHER TIERS: 0.30% → $10k - $50k
0.35%^*	$50k^*	-	30 Month CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.25% → $10k - $50k
0.35%^*	$50k^*	-	36 Month CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.25% → $10k - $50k
0.35%^*	$50k^*	-	12 Month Preferred Customer CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.25% → $10k - $50k
0.35%^*	$50k^*	-	18 Month Preferred Customer CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.25% → $10k - $50k
0.35%^*	$50k^*	-	24 Month Preferred Customer CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.25% → $10k - $50k
0.35%^*	$50k^*	-	Business 12 Month Preferred Customer CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.25% → $10k - $50k
0.35%^*	$50k^*	-	Business 18 Month Preferred Customer CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.25% → $10k - $50k
0.35%^*	$50k^*	-	Business 24 Month Preferred Customer CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.25% → $10k - $50k
0.35%^*	$50k^*	-	Business 30 Month CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.25% → $10k - $50k
0.35%^*	$50k^*	-	Business 36 Month CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.25% → $10k - $50k
0.30%^*	$50k^*	-	12 Month CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $50k
0.30%^*	$50k^*	-	18 Month CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $50k
0.30%^*	$50k^*	-	24 Month CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $50k
0.30%^*	$50k^*	-	Business 12 Month CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $50k
0.30%^*	$50k^*	-	Business 18 Month CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $50k
0.30%^*	$50k^*	-	Business 24 Month CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $50k
0.25%^*	$50k^*	-	91 Day Preferred Customer CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $50k
0.25%^*	$50k^*	-	182 Day Preferred Customer CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $50k
0.25%^*	$50k^*	-	Business 91 Day Preferred Customer CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $50k
0.25%^*	$50k^*	-	Business 182 Day Preferred Customer CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $50k
0.20%^*	$50k^*	-	91 Day CD
OTHER TIERS: 0.10% → $500 - $10k \| 0.15% → $10k - $50k
0.20%^*	$50k^*	-	182 Day CD
OTHER TIERS: 0.10% → $500 - $10k \| 0.15% → $10k - $50k
0.20%	$100k	-	30 Day Jumbo CD
0.20%	$100k	-	30 Day Jumbo Preferred Customer CD
0.20%	$100k	-	Business 30 Day Jumbo CD
0.20%	$100k	-	Business 30 Day Jumbo Preferred Customer CD
0.20%^*	$50k^*	-	Business 91 Day CD
OTHER TIERS: 0.10% → $500 - $10k \| 0.15% → $10k - $50k
0.20%^*	$50k^*	-	Business 182 Day CD
OTHER TIERS: 0.10% → $500 - $50k

The First National Bank of Hope IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$5k	-	60 Month Fixed IRA
0.60%	$500	-	36 Month Fixed IRA
0.12%	$500	-	12 Month Variable IRA

The First National Bank of Hope Locations
The First National Bank Of Hope	112 North Main Street	Hope, KS 67451
Miltonvale Citizens State Branch	201 N Starr Avenue	Miltonvale, KS 67466
Herington Branch	20 East Main Street	Herington, KS 67449