Los Angeles, CA · Cert 26610 · Hope Bcorp Inc.
State charter, non-member · FDIC · 75 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 1.3% share · #13 of 107 inst. · $8.7B of $667.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.65% | 0.57% | 0.00% | 0.26% | 0.42% | 0.70% | 0.74% | +74 bps | |
| Return on Equity | 5.28% | 5.23% | 4.37% | 0.02% | 2.00% | 3.30% | 5.51% | 5.90% | +589 bps | |
| Net Interest Margin | 2.59% | 2.59% | 2.46% | 2.44% | 2.59% | 2.65% | 2.79% | 2.81% | +38 bps | |
| Efficiency Ratio | 64.85% | 64.16% | 68.68% | 73.49% | 70.43% | 69.20% | 63.97% | 63.42% | -1,007 bps | |
| Non-Interest Burden | 1.57% | 1.54% | 1.55% | 1.67% | 1.70% | 1.71% | 1.64% | 1.63% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.56% | -10.86% | -5.64% | 6.74% | 6.64% | 8.67% | 9.31% | 2.41% | -433 bps | |
| Loan Growth (YoY) | -4.76% | -1.62% | -2.82% | 5.95% | 7.16% | 8.47% | 10.51% | 4.07% | -189 bps | |
| Deposit Growth (YoY) | -6.47% | -2.93% | -1.77% | 8.34% | 7.44% | 8.87% | 8.66% | -0.26% | -860 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.03% | 0.86% | 0.72% | 0.89% | 0.95% | 1.02% | 0.95% | 0.88% | -1 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.19% | 0.25% | 0.28% | 0.23% | 0.20% | 0.29% | 0.26% | -2 bps | |
| Allowance / Loans | 1.12% | 1.10% | 1.11% | 1.03% | 1.04% | 1.06% | 1.05% | 1.02% | -2 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.3x | 1.5x | 1.2x | 1.1x | 1.0x | 1.1x | 1.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.46% | 11.68% | 11.73% | 10.45% | 10.72% | 10.93% | 10.84% | 10.82% | +36 bps | |
| Total Risk-Based Capital | 14.64% | 14.61% | 14.85% | 13.62% | 13.68% | 13.85% | 13.75% | 13.65% | +2 bps | |
| Equity / Assets | 12.96% | 12.98% | 13.09% | 12.44% | 12.63% | 12.77% | 12.55% | 12.41% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.49% | 95.01% | 91.88% | 90.52% | 92.24% | 94.67% | 93.44% | 94.44% | +393 bps | |
| Liquid Assets / Assets | 4.54% | 3.33% | 4.96% | 4.16% | 3.03% | 3.65% | 3.75% | 3.87% | -29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 446% | 440% | 445% | n/a | n/a | |