THE FIRST NATIONAL BANK OF HUTCHINSON

HUTCHINSON, KS · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1876FDIC #4,697

Satisfactory Same

Current rating · Exam: December 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.38%

Institution Profile

FDIC BankFind

Website

www.fnbhutch.bank

Address

1 N Main St, HUTCHINSON, KS

County

Reno County

Established

May 2, 1876

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 19, 2022

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Dec 2026(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.0B

Net Loans

$889M

Net Income

$4M

ROA

1.38%

Above avg for Community banks. Peer avg: 0.90%

ROE

13.84%

Risk-Based Capital

15.89%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.38%Peer avg: 0.90%▲ Above avg

Risk-Based Capital15.89%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate3.86%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$999M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	233	91.85%	3.86%
2023	260	85.77%	7.31%
2022	255	91.37%	3.14%
2021	372	93.28%	2.69%
2020	422	93.84%	2.84%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Dec 2022	Satisfactory	Intermediate Small Bank
Nov 2019	Satisfactory	Intermediate Small Bank
Oct 2016	Satisfactory	Intermediate Small Bank

7 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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