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
Unfavorable gap of $18.7M · efficiency ratio beats 27% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.79% | 0.60% | 1.01% | 1.45% | Beats 33% | 422 / 629 | | |
| Return on Equity | 8.37% | 5.38% | 9.30% | 13.28% | Beats 43% | 358 / 629 | | |
| Net Interest Margin | 3.80% | 3.03% | 3.54% | 4.05% | Beats 64% | 226 / 629 | | |
| Efficiency Ratio | 78.32% | 58.35% | 67.79% | 79.08% | Beats 27% | 463 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 46% | 316 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 14.13% | 11.24% | 13.84% | 18.77% | Beats 52% | 300 / 629 | | |
| Total Risk-Based Capital Ratio | 15.38% | 11.58% | 14.43% | 19.66% | Beats 56% | 274 / 629 | | |
| Equity / Assets | 9.41% | 9.09% | 10.65% | 13.80% | Beats 31% | 435 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.54% | 67.24% | 80.90% | 93.48% | 41st pctl | 353 / 594 | | |
| Loans / Assets | 67.36% | 53.31% | 67.71% | 78.15% | 48th pctl | 324 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |