First Hope Bank, a National Banking Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Hope Bank, a National Banking Association of Hope, NJ against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.85% | 1.34% | -0.49% | 25th below |
| ROAE | 9.29% | 13.32% | -4.03% | 32nd below |
| Net Interest Margin | 4.11% | 3.93% | +0.18% | 59th above |
| Efficiency Ratio | 75.73% | 61.13% | +14.60% | 18th bottom |
| PPNR / Avg Assets | 1.15% | 1.68% | -0.53% | 27th below |
| Yield on Earning Assets | 5.12% | 5.67% | -0.55% | 28th below |
| Cost of Funds | 1.04% | 1.88% | -0.84% | 90th top |
| Net Interest Spread | 3.92% | 3.32% | +0.60% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.07% | 0.94% | -0.87% | 76th top |
| NPA / Total Assets | 0.05% | 0.70% | -0.65% | 78th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 80th top |
| ACL / Total Loans | 1.30% | 1.28% | +0.02% | 62nd above |
| ACL / NPLs (Coverage) | 1905.65% | 1538.42% | +367.23% | — |
| Texas Ratio | 0.45% | 7.34% | -6.89% | 81st top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 219.61% | 1396.63% | -1177.02% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.13% | 19.51% | -5.38% | 40th below |
| Tier 1 Ratio | 14.13% | 19.54% | -5.41% | 40th below |
| Total Capital Ratio | 15.38% | 20.63% | -5.25% | 41st below |
| Leverage Ratio | 10.02% | 12.14% | -2.12% | 32nd below |
| Equity / Assets | 9.41% | 11.38% | -1.97% | 34th below |
| TCE / Tangible Assets | 9.41% | 11.09% | -1.68% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.54% | 80.64% | -5.10% | 60th above |
| Core Deposit Ratio | 97.44% | 86.85% | +10.59% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.80% | 6.86% | -6.06% | 24th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.99% | 7.90% | -1.91% | 54th above |
| Deposit Growth (Y/Y) | -0.12% | 6.29% | -6.41% | 22nd bottom |
See First Hope Bank, a National Banking Association's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Hope Bank, a National Banking Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Hope Bank, a National Banking Association profile, how to read a UBPR, or how this data updates.