First Hope Bank, a National Banking Association: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 3.99% to 4.11%, the largest move among the key lines here. Within New Jersey, First Hope Bank, a National Banking Association is 7th of 49 on net interest margin, 4.11% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Hope Bank, a National Banking Association sits 0.16 points higher, at 4.11% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.12% |
| Yield on loans | 5.80% |
| Yield on securities | 3.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.04% |
| Cost of interest-bearing deposits | 1.20% |
| Cost of interest-bearing liabilities | 1.20% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.11% |
| Yield to cost spread | 3.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.03% | 0.87% | 3.19% | 4.70% | 2.56% |
| Q4 2023 | 4.23% | 1.01% | 3.27% | 4.99% | 2.55% |
| Q1 2024 | 4.32% | 1.07% | 3.29% | 5.04% | 2.72% |
| Q2 2024 | 4.34% | 1.11% | 3.25% | 5.08% | 2.73% |
| Q3 2024 | 4.53% | 1.14% | 3.38% | 5.27% | 2.74% |
| Q4 2024 | 4.58% | 1.13% | 3.48% | 5.32% | 2.83% |
| Q1 2025 | 4.75% | 1.05% | 3.72% | 5.41% | 3.16% |
| Q2 2025 | 4.85% | 1.09% | 3.79% | 5.52% | 3.28% |
| Q3 2025 | 4.98% | 1.16% | 3.85% | 5.66% | 3.43% |
| Q4 2025 | 5.07% | 1.11% | 4.00% | 5.72% | 3.83% |
| Q1 2026 | 5.02% | 1.06% | 3.99% | 5.70% | 3.61% |
| Q2 2026 | 5.12% | 1.04% | 4.11% | 5.80% | 3.68% |
First Hope Bank, a National Banking Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Hope Bank, a National Banking Association, freeSource: Call Report Schedules RI and RC-K, 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)