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First Hope Bank, A National Banking Association

Hope, NJ · Cert 6354 · First Hope Bcorp

National charter · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

46

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

27

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Hope Bank, A National Banking Association

Hope, NJ · Cert 6354 · First Hope Bcorp

National charter · OCC · 6 branches

Q2 2026

$656.7MAssets
$442.4MLoans
$585.6MDeposits
$61.8MEquity
Loan mix
92%RE $390.9M7%C&I $30.9M0%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $533.0M9%Noninterest $52.7MQ2 2025Q2 2026

NIM

4.06%Q2 ’244.48%Q2 ’254.77%Q2 ’26+15%+9%

Non-interest income vs. expense

3.54%Q2 ’243.55%Q2 ’253.71%Q2 ’26-3%+8%

Market Position · Allentown-Bethlehem-Easton, PA-NJ · 2026 SOD (annual) · 1.5% share · #20 of 32 inst. · $0.3B of $22.9B

9.7% Warren
3.8% Sussex
0.3% Morris

Executive Summary

  • Earnings: ROA of 0.78%, up 13 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.02%, up 48 bps from a year ago.
  • Funding: loans stand at 75.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.78%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+30 bps YoY

Efficiency Ratio (YTD, annualized)

78.32%-101 bps YoY

Tier 1 Leverage Ratio

10.02%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.68%0.72%0.70%0.78%+13 bps
Return on Equity7.74%7.96%8.38%7.62%8.45%+71 bps
Net Interest Margin3.50%3.50%3.52%3.76%3.80%+30 bps
Efficiency Ratio79.33%79.13%78.34%80.42%78.32%-101 bps
Non-Interest Burden2.57%2.57%2.56%2.85%2.78%+20 bps
Growth
Asset Growth (YoY)4.84%3.97%4.11%1.00%0.80%-403 bps
Loan Growth (YoY)1.70%2.96%5.40%4.40%5.99%+429 bps
Deposit Growth (YoY)4.77%3.50%3.08%-0.11%-0.12%-488 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.05%0.02%+3 bps
Allowance / Loans1.32%1.34%1.30%1.31%1.30%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.54%9.53%9.54%9.92%10.02%+48 bps
Total Risk-Based Capital15.16%15.44%15.50%15.30%15.38%+22 bps
Equity / Assets8.52%8.76%9.10%9.33%9.41%+90 bps
Liquidity & Funding
Loans / Deposits71.18%68.80%73.06%74.05%75.54%+436 bps
Liquid Assets / Assets11.64%14.07%9.78%8.65%6.85%-479 bps
CRE / Total Capitaln/a410%423%412%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Hope Bank, A National Banking Association

Hope, NJ · Cert 6354 · Peer group: banks under $1B in assets (n=581-629) · First Hope Bcorp

National charter · OCC · 6 branches

Q2 2026

$656.7MAssets
$442.4MLoans
$585.6MDeposits
$61.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: efficiency ratio trails 73% of banks under $1B in assets (rank 463 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.79%

Rank 422 of 629

Net Interest Margin

3.80%

Rank 226 of 629

Efficiency Ratio

78.32%

Rank 463 of 629

Equity / Assets

9.41%

Rank 435 of 629

Non-interest income vs. expense

$6.2M$25.0MINCOMEEXPENSE
Unfavorable gap of $18.7M · efficiency ratio beats 27% of banks under $1B in assets
Bank 78.32%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.79%0.60%1.01%1.45%Beats 33%422 / 629
Return on Equity8.37%5.38%9.30%13.28%Beats 43%358 / 629
Net Interest Margin3.80%3.03%3.54%4.05%Beats 64%226 / 629
Efficiency Ratio78.32%58.35%67.79%79.08%Beats 27%463 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 46%316 / 581
Capital
Tier 1 Capital Ratio14.13%11.24%13.84%18.77%Beats 52%300 / 629
Total Risk-Based Capital Ratio15.38%11.58%14.43%19.66%Beats 56%274 / 629
Equity / Assets9.41%9.09%10.65%13.80%Beats 31%435 / 629
Liquidity & Funding
Loans / Deposits75.54%67.24%80.90%93.48%41st pctl353 / 594
Loans / Assets67.36%53.31%67.71%78.15%48th pctl324 / 629
Brokered Deposits / Depositsn/aNot reported for this institution