Hope, NJ · Cert 6354 · First Hope Bcorp
National charter · OCC · 6 branches
Q2 2026
Market Position · Allentown-Bethlehem-Easton, PA-NJ · 2026 SOD (annual) · 1.5% share · #20 of 32 inst. · $0.3B of $22.9B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.68% | 0.72% | 0.70% | 0.78% | +13 bps | |
| Return on Equity | 7.74% | 7.96% | 8.38% | 7.62% | 8.45% | +71 bps | |
| Net Interest Margin | 3.50% | 3.50% | 3.52% | 3.76% | 3.80% | +30 bps | |
| Efficiency Ratio | 79.33% | 79.13% | 78.34% | 80.42% | 78.32% | -101 bps | |
| Non-Interest Burden | 2.57% | 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 / Loans | 0.00% | 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 / Loans | 1.32% | 1.34% | 1.30% | 1.31% | 1.30% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.54% | 9.53% | 9.54% | 9.92% | 10.02% | +48 bps | |
| Total Risk-Based Capital | 15.16% | 15.44% | 15.50% | 15.30% | 15.38% | +22 bps | |
| Equity / Assets | 8.52% | 8.76% | 9.10% | 9.33% | 9.41% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.18% | 68.80% | 73.06% | 74.05% | 75.54% | +436 bps | |
| Liquid Assets / Assets | 11.64% | 14.07% | 9.78% | 8.65% | 6.85% | -479 bps | |
| CRE / Total Capital | n/a | 410% | 423% | 412% | n/a | n/a | |