First Hope Bank, a National Banking Association: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income fell 7.1% in Q2 2026 to -$5.7M, the biggest move on this page. First Hope Bank, a National Banking Association ranks 19th of 37 New Jersey banks on CET1 ratio, in the lower half at 14.13% (Q2 2026). First Hope Bank, a National Banking Association reported 14.13% on CET1 ratio for Q2 2026, 0.94 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.13% |
| Tier 1 risk-based capital ratio | 14.13% |
| Total risk-based capital ratio | 15.38% |
| Tier 1 leverage ratio | 10.02% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $67.5M |
| Tier 1 capital | $67.5M |
| Total risk-based capital | $73.5M |
| Total equity capital | $61.8M |
| Risk-weighted assets | $477.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.41% |
| Tangible equity to tangible assets | 9.41% |
| Equity capital to average assets | 9.18% |
| Internal capital growth rate | 7.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $3.1M |
| Retained earnings | $64.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.24% | 13.24% | 14.50% | 8.94% | $440.6M |
| Q4 2023 | 13.19% | 13.19% | 14.44% | 9.05% | $447.3M |
| Q1 2024 | 13.20% | 13.20% | 14.45% | 9.23% | $450.3M |
| Q2 2024 | 13.09% | 13.09% | 14.35% | 9.35% | $454.8M |
| Q3 2024 | 13.48% | 13.48% | 14.74% | 9.09% | $447.9M |
| Q4 2024 | 13.41% | 13.41% | 14.66% | 9.22% | $455.8M |
| Q1 2025 | 13.65% | 13.65% | 14.91% | 9.50% | $453.2M |
| Q2 2025 | 13.91% | 13.91% | 15.16% | 9.54% | $452.3M |
| Q3 2025 | 14.19% | 14.19% | 15.44% | 9.53% | $451.9M |
| Q4 2025 | 14.25% | 14.25% | 15.50% | 9.54% | $457.7M |
| Q1 2026 | 14.05% | 14.05% | 15.30% | 9.92% | $472.0M |
| Q2 2026 | 14.13% | 14.13% | 15.38% | 10.02% | $477.5M |
First Hope Bank, a National Banking Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Hope Bank, a National Banking Association, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Hope Bank, a National Banking Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6354) · FFIEC NIC profile (RSSD 434203)