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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

$656.7MAssets
$442.4MLoans
$585.6MDeposits
$61.8MEquity
Loan mix
92%RE $390.9M7%C&I $30.9M0%Consumer $1.3MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $533.0M9%Noninterest $52.7MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.43%0.55%0.65%0.68%0.72%0.70%0.78%+13 bps
Return on Equity4.76%5.41%6.61%7.74%7.96%8.38%7.62%8.45%+71 bps
Net Interest Margin3.01%3.08%3.48%3.50%3.50%3.52%3.76%3.80%+30 bps
Efficiency Ratio87.83%86.62%80.13%79.33%79.13%78.34%80.42%78.32%-101 bps
Non-Interest Burden2.53%2.54%2.59%2.57%2.57%2.56%2.85%2.78%+20 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 / Loans0.11%0.10%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%-0.01%0.00%0.05%0.02%+3 bps
Allowance / Loans1.32%1.31%1.32%1.32%1.34%1.30%1.31%1.30%-3 bps
Allowance Coverage of NPLs12.4x12.5xn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.09%9.22%9.50%9.54%9.53%9.54%9.92%10.02%+48 bps
Total Risk-Based Capital14.74%14.66%14.91%15.16%15.44%15.50%15.30%15.38%+22 bps
Equity / Assets8.33%8.23%8.41%8.52%8.76%9.10%9.33%9.41%+90 bps
Liquidity & Funding
Loans / Deposits69.16%71.45%70.85%71.18%68.80%73.06%74.05%75.54%+436 bps
Liquid Assets / Assets8.90%8.81%10.48%11.64%14.07%9.78%8.65%6.85%-479 bps
CRE / Total Capitaln/an/an/an/a410%423%412%n/an/a