First Hope Bank, a National Banking Association
BankRegReports is independent of First Hope Bank, a National Banking Association and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First Hope Bank, a National Banking Association is an FDIC-insured commercial bank headquartered in Hope, NJ, established in 1911 (FDIC certificate 6354), and it is supervised by the OCC. At Q2 2026 it reported total assets of $656.7M, up 0.8% from Q2 2025, the 31st largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 14.13% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6354
- Headquarters
- Hope, NJ
- Established
- 1911
- Total assets, Q2 2026
- $656.7M
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 14.13%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 021204597
- Latest call report
- Q2 2026, FFIEC 041 · First Hope Bank, a National Banking Association call report
- Holding company
- FIRST HOPE BANCORP
- Asset rank in state
- 31st of 49 in New Jersey
First Hope Bank, a National Banking Association, based in Hope, New Jersey, reported $657 million in assets at June 30, 2026. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%). It also pays an average of 1.04% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Net income for the quarter rose 18% from a year earlier, to $1.4 million. Over the same year, loans grew 6.0% and deposits shrank 0.1%. Costs are the weak spot: it spends about 76 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, First Hope Bank, a National Banking Association reported a CET1 capital ratio of 14.13%, a return on assets of 0.85%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Hope Bank, a National Banking Association is the 31st largest of the 49 banks headquartered in New Jersey. Between Q1 2026 and Q2 2026, its total assets rose 0.4% to $656.7M, loans rose 2.4% and deposits rose 0.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 27.4% of total loans, ahead of owner-occupied commercial real estate loans at 24.7%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in NJ; its Blairstown office books 23% of its branch deposits. On its Q2 2026 call report, First Hope Bank, a National Banking Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1301 Hope Bridgeville Rd., Hope, NJ 07844
- County
- Warren
- Metro Area
- Allentown-Bethlehem-Easton, PA-NJ
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 11, 1911
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 122
- Domestic deposits
- $585.6M
- Allowance for credit losses
- $5.7M
- Net charge-offs (YTD)
- $51K
- Average total assets
- $673.5M
- Average total loans
- $440.8M
- Average interest-bearing deposits
- $569.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6354
- Fed RSSD
- 434203
- Website
- www.firsthope.bank →
- Parent Holding Company
- FIRST HOPE BANCORP (RSSD 3609132)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Hope Bank, a National Banking Association's total assets ran between $621.4M (Q2 2024) and $677.1M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$656.7M total assets against $651.5M; $594.9M total liabilities against $596.0M.
$436.6M net loans and leases against $411.8M; $585.6M total deposits against $586.3M.
$144.0M securities against $133.1M; $38.2M cash and balances due against $69.3M.
$8.1M total interest income against $7.5M; $1.6M total interest expense against $1.7M.
$6.5M net interest income against $5.9M.
$1.6M total noninterest income against $1.6M; $6.2M total noninterest expense against $5.8M.
$72K provision for credit losses against $42K.
$1.4M net income against $1.2M.
0.85% return on assets against 0.74%; 4.11% net interest margin against 3.79%.
14.13% CET1 capital ratio against 13.91%; 10.02% tier 1 leverage ratio against 9.54%.
Inside the full First Hope Bank, a National Banking Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Hope Bank, a National Banking Association rankings
Its closest position to the top of a national ranking is 1,434 of 4,196, for total assets; its furthest is 3,389 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.50% (Q3 2024) to 0.85% (Q2 2026) and its net interest margin ran from 3.38% (Q3 2024) to 4.11% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.13% | 0.85% | 0.00% | 0.00% | 4.11% |
| Q1 2026 | 14.05% | 0.69% | 0.00% | 0.00% | 3.99% |
| Q4 2025 | 14.25% | 0.83% | 0.00% | 0.00% | 4.00% |
| Q3 2025 | 14.19% | 0.72% | 0.00% | 0.00% | 3.85% |
| Q2 2025 | 13.91% | 0.74% | 0.00% | 0.00% | 3.79% |
| Q1 2025 | 13.65% | 0.54% | 0.00% | 0.00% | 3.72% |
| Q4 2024 | 13.41% | 0.58% | 0.10% | 0.74% | 3.48% |
| Q3 2024 | 13.48% | 0.50% | 0.11% | 0.72% | 3.38% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Blairstown Branch | Blairstown , NJ | 07825 | $135.8M |
| Great Meadows Branch | Great Meadows , NJ | 07838 | $99.2M |
| First Hope Bank, a National Banking Association (main office) | Hope , NJ | 07844 | $97.6M |
| Sparta Branch | Sparta , NJ | 07871 | $93.9M |
| Andover Branch | Newton , NJ | 07860 | $82.0M |
| HackettstownWash Township Branch | Hackettstown , NJ | 07840 | $77.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in NJ, rank 48 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 109 applications, 80 loans originated, $37.9M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows First Hope Bank, a National Banking Association’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about First Hope Bank, a National Banking Association
What are First Hope Bank, a National Banking Association's total assets?
As of the Q2 2026 filing, First Hope Bank, a National Banking Association reported total assets of $656.7 million in its FFIEC call report.
Where is First Hope Bank, a National Banking Association headquartered?
It is headquartered in Hope, NJ, United States.
When was First Hope Bank, a National Banking Association founded?
It was established in 1911, per the FDIC institution directory.
Is First Hope Bank, a National Banking Association FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6354). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Hope Bank, a National Banking Association?
First Hope Bank, a National Banking Association's primary federal regulator is the OCC.
What is First Hope Bank, a National Banking Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Hope Bank, a National Banking Association operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Hope Bank, a National Banking Association's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on First Hope Bank, a National Banking Association.
Get an email when First Hope Bank, a National Banking Association files its next call report, and benchmark it against any peer you choose.
Unlock First Hope Bank, a National Banking Association, freeFree account