BlastPoint's Banking Scorecard
First Hope Bank, A National Banking Association
Community
Specialty: Commercial
NJ
FDIC cert 6354
Hope, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
First Hope Bank, A National Banking Association has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 12.71% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$666.8M
+4.1% YoY
-1.5% QoQ
|
-$724.6M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$430.3M
+5.4% YoY
+4.2% QoQ
|
-$545.1M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$596.8M
+3.1% YoY
-1.9% QoQ
|
-$567.8M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
0.72%
+65.9% YoY
+6.8% QoQ
|
-0.44% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.91%
+14.1% YoY
+1.9% QoQ
|
+0.24% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
78.34%
-9.6% YoY
-1.0% QoQ
|
+15.71% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
72.11%
+2.3% YoY
+6.2% QoQ
|
-10.96% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
8.33%
+0.9% YoY
+5.5% QoQ
|
-12.71% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
14.25%
+6.3% YoY
+0.4% QoQ
|
+4.01% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.96%
+2.0% YoY
+36.6% QoQ
|
+0.22% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
85% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Community
Why this stands out
Current:
8.33%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
85
85th pctile
Non-Interest Income / Assets
Current: 0.96% · Tier avg: 0.74%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.25% · Tier avg: 10.24%
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
27
27th pctile
Total Deposits
Current: $596.8M · Tier avg: $1.2B
24
24th pctile
Total Assets
Current: $666.8M · Tier avg: $1.4B
23
23th pctile
Loan-to-Deposit Ratio
Current: 72.11% · Tier avg: 83.06%
20
20th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.16%
19
19th pctile
Total Loans
Current: $430.3M · Tier avg: $975.5M
12
12th pctile
Efficiency Ratio
Current: 78.34% · Tier avg: 62.63%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.33% · Tier avg: 21.05%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.33% · Tier avg: 21.05%
12
12th pctile
Efficiency Ratio
Current: 78.34% · Tier avg: 62.63%
19
19th pctile
Total Loans
Current: $430.3M · Tier avg: $975.5M
20
20th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.16%
23
23th pctile
Loan-to-Deposit Ratio
Current: 72.11% · Tier avg: 83.06%
24
24th pctile
Total Assets
Current: $666.8M · Tier avg: $1.4B
27
27th pctile
Total Deposits
Current: $596.8M · Tier avg: $1.2B
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.25% · Tier avg: 10.24%
85
85th pctile
Non-Interest Income / Assets
Current: 0.96% · Tier avg: 0.74%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%