TellerScore

The First National Bank of Hutchinson is a national bank headquartered in Hutchinson, Kansas, in business for about 150 years. At the end of Q2 2026 it reported $1.2B in total assets and $1.0B in deposits, with 8 offices.

Based on its Q2 2026 filing, The First National Bank of Hutchinson scores 78/100, which we describe as strong. That is higher than 86% of 897 banks with $1 billion – $10 billion. Among 185 banks headquartered in Kansas, it ranks 69th. Its strongest component is problem-loan coverage (95/100; 2.3%), and its lowest is capital cushion (65/100; 11.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.49%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.33%
Earnings77/100
Return on assets (annualized): 1.42%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 84.0% · 16.5% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.34%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (73 → 78), mostly because the earnings component improved by 10 points.

TellerScore
737678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202473
Q1 202576
Q2 202573
Q3 202574
Q4 202576
Q1 202676
Q2 202678
Tier 1 leverage ratio
5.00%8.24%11.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.89%
Q3 202410.95%
Q4 202410.58%
Q1 202510.58%
Q2 202511.04%
Q3 202511.08%
Q4 202511.27%
Q1 202611.10%
Q2 202611.49%
Noncurrent loans
0.02%0.23%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.02%
Q4 20240.10%
Q1 20250.08%
Q2 20250.43%
Q3 20250.42%
Q4 20250.38%
Q1 20260.39%
Q2 20260.33%
Return on assets
0.92%1.17%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20240.93%
Q4 20240.92%
Q1 20251.21%
Q2 20251.18%
Q3 20251.22%
Q4 20251.33%
Q1 20261.38%
Q2 20261.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$1.2B11.49%0.33%1.42%84.0%
Q1 202676$1.2B11.10%0.39%1.38%86.5%
Q4 202576$1.3B11.27%0.38%1.33%84.1%
Q3 202574$1.2B11.08%0.42%1.22%87.2%
Q2 202573$1.2B11.04%0.43%1.18%87.6%
Q1 202576$1.2B10.58%0.08%1.21%86.7%
Q4 202473$1.2B10.58%0.10%0.92%86.3%
Q3 202474$1.2B10.95%0.02%0.93%90.0%
Q2 202474$1.1B10.89%0.08%0.93%90.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.49%
70th
Total risk-based capital16.42%
79th
Problem loans0.33%
65th
Net charge-offs0.05%
43rd
Return on assets1.42%
65th
Net interest margin3.63%
45th
Efficiency ratio60.4%
46th
Loans to deposits84.0%
58th
Uninsured deposits16.5%
89th
Loan-loss reserves1.44%
83rd
Texas ratio2.3%
65th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Nbkc BankBank Leawood, KS82 out of 100, Strong$1.2B17.1%1.45%vs
CoreFirst Bank & TrustBank Topeka, KS71 out of 100, Strong$1.3B8.7%0.21%vs
Bank of LaborBank Overland Park, KS41 out of 100, Below average$1.1B8.0%3.15%vs
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
GNBank, National AssociationBank Girard, KS80 out of 100, Strong$1.1B11.6%0.13%vs
Security State BankBank Scott City, KS72 out of 100, Strong$1.0B10.2%0.26%vs

Deposit insurance

Is my money safe at The First National Bank of Hutchinson?

Yes. The First National Bank of Hutchinson is an FDIC-insured institution (FDIC certificate #4697). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.5% of deposits ($171.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.42% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

The First National Bank of Hutchinson lists 7 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The First National Bank of Hutchinson reported 263 home-loan applications under HMDA (LEI 549300SPHVO4KAGQUX53): 245 originated ($47,765,000 total), 4 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The First National Bank of Hutchinson
Type
National bank
FDIC certificate #
4697
RSSD ID
754853
Primary regulator
OCC
Holding company
First Kansas Bancshares Inc
Established
May 2, 1876
Headquarters
1 N Main St, Hutchinson, KS 67501
Employees
176

Quick answers

The First National Bank of Hutchinson: common questions

Is The First National Bank of Hutchinson FDIC insured?

Yes. The First National Bank of Hutchinson is an FDIC-insured institution (FDIC certificate #4697). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Hutchinson's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The First National Bank of Hutchinson ever failed?

There is no failure record for FDIC certificate #4697 in the FDIC failed bank list.

How many branches does The First National Bank of Hutchinson have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hutchinson

InstitutionScoreAssetsCapitalProblem loansCompare
Dillon Credit UnionCredit union Hutchinson, KS82 out of 100, Strong$79.8M14.0%1.11%vs
Union Federal Credit UnionCredit union Farmerville, LA80 out of 100, Strong$611K21.2%0.00%vs
First Bank KansasBank Salina, KS79 out of 100, Strong$618.5M8.8%0.04%vs
Lyons Federal BankBank Lyons, KS78 out of 100, Strong$197.6M12.7%0.23%vs
Commerce BankBank Kansas City, MO76 out of 100, Strong$35.0B11.4%0.17%vs
Legacy BankBank Colwich, KS74 out of 100, Strong$865.0M10.6%0.06%vs