First Hope Bank, a National Banking Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 7.71 percentage points lower than in Q1 2026, at 27.29%. Within New Jersey, First Hope Bank, a National Banking Association is 34th of 49 on loan-to-deposit ratio, 75.54% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First Hope Bank, a National Banking Association sits 5.41 points lower, at 75.54% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $442.4M |
| Net loans and leases | $436.6M |
| Loans held for sale | $0 |
| Loans to total assets | 67.36% |
| Loan-to-deposit ratio | 75.54% |
| Net loans to equity capital | 7.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.70% |
| Multifamily (5+ residential) | 11.50% |
| Commercial and industrial | 7.29% |
| Consumer | 0.29% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 229.54% |
| Construction concentration (Tier 1 capital + allowance) | 27.29% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.80% |
| Interest income on loans | $6.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $395.0M | $574.0M | 50.59% | 8.06% | 0.09% |
| Q4 2023 | $405.9M | $578.7M | 50.57% | 7.71% | 0.09% |
| Q1 2024 | $403.8M | $568.6M | 50.67% | 7.14% | 0.12% |
| Q2 2024 | $410.3M | $559.6M | 49.18% | 7.28% | 0.13% |
| Q3 2024 | $406.5M | $587.8M | 50.36% | 6.31% | 0.13% |
| Q4 2024 | $413.7M | $579.0M | 50.81% | 6.67% | 0.11% |
| Q1 2025 | $413.9M | $584.2M | 49.25% | 6.31% | 0.23% |
| Q2 2025 | $417.3M | $586.3M | 47.88% | 6.10% | 0.10% |
| Q3 2025 | $418.5M | $608.3M | 46.74% | 6.17% | 0.11% |
| Q4 2025 | $436.0M | $596.8M | 46.72% | 7.56% | 0.10% |
| Q1 2026 | $432.1M | $583.5M | 46.34% | 7.15% | 0.30% |
| Q2 2026 | $442.4M | $585.6M | 46.70% | 7.29% | 0.29% |
First Hope Bank, a National Banking Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Hope Bank, a National Banking Association, freeSource: Call Report Schedule RC-C, 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)