BlastPoint's Banking Scorecard

Bank of Hope

$10B-$250B Specialty: Commercial CA FDIC cert 26610

Designations: ✓ Minority Depository Institution

Los Angeles, CA

78 branches across HI · CA · NY · WA · IL · NJ · TX · AL · GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in CA.
Deposits -0.3% year over year ($15.9B on the books).
Delinquency rate 0.89%.
Return on assets 0.74%.
Efficiency ratio 63.42% vs a 53.67% peer average.
Loan-to-deposit ratio 93.48% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 10 in CA

View $10B-$250B leaderboard (CA) →

Bank of Hope has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.12% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 22.5% in tier
- Return on Assets 0.65% below tier average
- Net Interest Margin 0.94% below tier average
- Efficiency Ratio 9.75% above tier average

Get updates when Bank of Hope releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$19.0B +2.4% YoY +1.8% QoQ	-$24.6B	$43.6B -13.8% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	35%
Total Loans ?	$14.9B +4.1% YoY +2.1% QoQ	-$13.1B	$28.0B -8.6% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	46%
Total Deposits ?	$15.9B -0.3% YoY +0.9% QoQ	-$19.5B	$35.4B -14.0% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	36%
Return on Assets ?	0.74% +6.4% QoQ	-0.65%	1.39% +25.9% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Bottom 9.4% in tier
Net Interest Margin ?	2.98% +8.7% YoY +1.3% QoQ	-0.94%	3.92% +8.9% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	20%
Efficiency Ratio ?	63.42% -13.7% YoY -0.9% QoQ	+9.75%	53.67% -1.9% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	20%
Delinquency Rate ?	0.89% -0.6% YoY -6.9% QoQ	-0.12%	1.01% -2.8% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	37%
Loan-to-Deposit Ratio ?	93.48% +4.4% YoY +1.1% QoQ	+10.87%	82.61% +3.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	20%
Non-Interest-Bearing Deposit Share ?	22.56% +2.8% YoY +3.6% QoQ	+1.98%	20.58% +4.9% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	49%
Nonperforming Asset Ratio ?	0.70% +1.3% YoY -6.6% QoQ	-0.03%	0.73% +5.8% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	32%
Tier 1 Capital Ratio ?	12.65% +0.3% YoY -0.6% QoQ	-2.70%	15.35% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.17% +7.5% YoY +103.3% QoQ	-0.32%	0.50% +10.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	20%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	22.6% +0.6pp YoY +0.8pp QoQ	+1.5pp	21.0%	25.5%	22.2%	47%
Brokered Deposits	5.6% +0.6pp YoY -1.0pp QoQ	-3.6pp	9.2%	11.0%	8.5%	47%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	18.1% -2.0pp YoY -0.3pp QoQ	+0.9pp	17.2%	11.8%	12.5%	60%
CRE	59.9% +0.3pp YoY 0.0pp QoQ	+17.9pp	42.0%	67.5%	41.4%	86%
1-4 Family	17.4% +0.9pp YoY 0.0pp QoQ	-5.7pp	23.1%	16.5%	31.3%	36%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-12.7pp	12.9%	5.3%	5.0%	12%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	12.7% 0.0pp YoY -0.1pp QoQ	-2.6pp	15.3%	23.7%	19.7%	42%
Leverage Ratio	10.8% +0.4pp YoY 0.0pp QoQ	+0.4pp	10.4%	14.5%	12.6%	70%
Total Capital Ratio	13.6% 0.0pp YoY -0.1pp QoQ	-2.9pp	16.5%	25.1%	20.8%	34%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	1,433 -9 (-0.6%) YoY -11 (-0.8%) QoQ	-1,825	3,258	337	482	33%
Assets per Employee ($)	$13.2M +3.1% YoY +2.6% QoQ	-$13.8M	$27.0M	$11.3M	$8.8M	56%
Branch Count	78 -1 (-1.3%) YoY 0 QoQ	-60	137	15	18	46%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY -0.1pp QoQ	-0.4pp	0.4%	0.3%	0.4%	12%
Nonaccrual	0.9% 0.0pp YoY 0.0pp QoQ	+0.2pp	0.7%	1.4%	1.0%	76%
Allowance Coverage	1.16x -0.9% YoY +3.9% QoQ	-1.66x	2.81x	17.11x	20.23x	26%
Net Charge-off Rate (YTD)	0.3% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.4%	0.3%	0.2%	67%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	5.9% +5.9pp YoY +0.4pp QoQ	-6.7pp	12.6%	8.2%	11.6%	6%
Cost of Funds (YTD)	2.4% -0.4pp YoY 0.0pp QoQ	+0.5pp	2.0%	1.9%	1.7%	76%
Net Income ($, YTD)	$69.5M +33959.3% YoY — QoQ	-$227.3M	$296.8M	$28.5M	$40.4M	14%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#10 of 40 • Bottom 22.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.48%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

40 of 40 Large banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

127

Return on Assets

profitability

Value: 0.74%

Peer Median: 1.39%

#127 of 139 Bottom 9.4% in $10B-$250B

112

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.50%

#112 of 139 Bottom 20.1% in $10B-$250B

112

Loan-to-Deposit Ratio

liquidity

Value: 93.48%

Peer Median: 82.61%

#112 of 139 Bottom 20.1% in $10B-$250B

112

Efficiency Ratio

profitability

Value: 63.42%

Peer Median: 53.67%

#112 of 139 Bottom 20.1% in $10B-$250B

112

Net Interest Margin

profitability

Value: 2.98%

Peer Median: 3.92%

#112 of 139 Bottom 20.1% in $10B-$250B