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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.59% | 0.55% | 0.75% | 0.73% | 0.85% | 0.70% | 0.87% | +12 bps | |
| Return on Equity | 6.42% | 7.13% | 6.61% | 8.83% | 8.47% | 9.48% | 7.62% | 9.29% | +46 bps | |
| Net Interest Margin | 3.16% | 3.26% | 3.48% | 3.56% | 3.63% | 3.77% | 3.76% | 3.87% | +31 bps | |
| Efficiency Ratio | 84.10% | 83.23% | 80.13% | 78.54% | 78.76% | 76.14% | 80.42% | 76.32% | -222 bps | |
| Non-Interest Burden | 2.50% | 2.56% | 2.59% | 2.59% | 2.66% | 2.64% | 2.85% | 2.73% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.88% | -0.04% | 2.97% | 4.84% | 3.97% | 4.11% | 1.00% | 0.80% | -403 bps | |
| Loan Growth (YoY) | 2.90% | 1.91% | 2.50% | 1.70% | 2.96% | 5.40% | 4.40% | 5.99% | +429 bps | |
| Deposit Growth (YoY) | 2.40% | 0.05% | 2.73% | 4.77% | 3.50% | 3.08% | -0.11% | -0.12% | -488 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.10% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | 0.05% | 0.00% | +1 bps | |
| Allowance / Loans | 1.32% | 1.31% | 1.32% | 1.32% | 1.34% | 1.30% | 1.31% | 1.30% | -3 bps | |
| Allowance Coverage of NPLs | 12.4x | 12.5x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.09% | 9.22% | 9.50% | 9.54% | 9.53% | 9.54% | 9.92% | 10.02% | +48 bps | |
| Total Risk-Based Capital | 14.74% | 14.66% | 14.91% | 15.16% | 15.44% | 15.50% | 15.30% | 15.38% | +22 bps | |
| Equity / Assets | 8.33% | 8.23% | 8.41% | 8.52% | 8.76% | 9.10% | 9.33% | 9.41% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.16% | 71.45% | 70.85% | 71.18% | 68.80% | 73.06% | 74.05% | 75.54% | +436 bps | |
| Liquid Assets / Assets | 8.90% | 8.81% | 10.48% | 11.64% | 14.07% | 9.78% | 8.65% | 6.85% | -479 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 410% | 423% | 412% | n/a | n/a | |