First Hope Bank, a National Banking Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 250.68 percentage points higher than in Q1 2026, at 1905.65%. First Hope Bank, a National Banking Association ranks 19th of 49 New Jersey banks on return on assets, in the upper half at 0.85% (Q2 2026). First Hope Bank, a National Banking Association reported 0.85% on return on assets for Q2 2026, 0.41 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.13% |
| Tier 1 risk-based capital ratio | 14.13% |
| Total risk-based capital ratio | 15.38% |
| Tier 1 leverage ratio | 10.02% |
| Equity capital to assets | 9.41% |
| Tangible equity to tangible assets | 9.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.07% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.45% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 1905.65% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.85% |
| Return on equity | 9.29% |
| Net interest margin | 4.11% |
| Efficiency ratio | 75.73% |
| Yield on earning assets | 5.12% |
| Cost of funds | 1.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.54% |
| Core deposits to total deposits | 97.44% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.18% |
| Securities to assets | 21.92% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.24% | 13.24% | 14.50% | 8.94% | 0.38% |
| Q4 2023 | 13.19% | 13.19% | 14.44% | 9.05% | 0.46% |
| Q1 2024 | 13.20% | 13.20% | 14.45% | 9.23% | 0.36% |
| Q2 2024 | 13.09% | 13.09% | 14.35% | 9.35% | 0.25% |
| Q3 2024 | 13.48% | 13.48% | 14.74% | 9.09% | 0.50% |
| Q4 2024 | 13.41% | 13.41% | 14.66% | 9.22% | 0.58% |
| Q1 2025 | 13.65% | 13.65% | 14.91% | 9.50% | 0.54% |
| Q2 2025 | 13.91% | 13.91% | 15.16% | 9.54% | 0.74% |
| Q3 2025 | 14.19% | 14.19% | 15.44% | 9.53% | 0.72% |
| Q4 2025 | 14.25% | 14.25% | 15.50% | 9.54% | 0.83% |
| Q1 2026 | 14.05% | 14.05% | 15.30% | 9.92% | 0.69% |
| Q2 2026 | 14.13% | 14.13% | 15.38% | 10.02% | 0.85% |
First Hope Bank, a National Banking Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Hope Bank, a National Banking Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)