BlastPoint's Banking Scorecard

First Hope Bank, A National Banking Association

$100M-$1B Specialty: Commercial NJ FDIC cert 6354

Hope, NJ

6 branches across NJ

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 25 in NJ.
Deposits -0.1% year over year ($585.6M on the books).
Delinquency rate 0.00%.
Return on assets 0.78%.
Efficiency ratio 78.32% vs a 64.48% peer average.
Loan-to-deposit ratio 74.56% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 25 in NJ

View $100M-$1B leaderboard (NJ) →

First Hope Bank, A National Banking Association has 3 strengths 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 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Net Interest Margin 0.15% above tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 28.7% in tier
- Non-Interest-Bearing Deposit Share 13.04% below tier average
- ROA 0.54% below tier average
- Efficiency Ratio 13.84% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$656.7M +0.8% YoY +0.4% QoQ	+$270.1M	$386.6M +1.2% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	85%
Total Loans ?	$436.6M +6.0% YoY +2.4% QoQ	+$178.3M	$258.3M +1.7% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	83%
Total Deposits ?	$585.6M -0.1% YoY +0.4% QoQ	+$258.9M	$326.7M +0.7% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	Top 13.2% in tier
Return on Assets ?	0.78% +20.8% YoY +11.8% QoQ	-0.54%	1.32% +10.8% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	23%
Net Interest Margin ?	4.13% +8.5% YoY +2.1% QoQ	+0.15%	3.99% +5.0% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	61%
Efficiency Ratio ?	78.32% -1.3% YoY -2.6% QoQ	+13.84%	64.48% -3.2% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	16%
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	74.56% +6.1% YoY +2.0% QoQ	-3.40%	77.95% +1.0% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	61%
Non-Interest-Bearing Deposit Share ?	8.99% +4.6% YoY +16.0% QoQ	-13.04%	22.03% -0.6% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	Bottom 8.6% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.13% +1.6% YoY +0.6% QoQ	-1.78%	15.91% +1.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.48% -3.5% YoY +110.2% QoQ	-0.09%	0.57% +7.6% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	Top 10.2% in tier

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 (NJ)	National Avg	Tier Percentile
Noninterest-Bearing	9.0% +0.4pp YoY +1.2pp QoQ	-13.2pp	22.1%	16.6%	22.2%	8%
Brokered Deposits	0.0% 0.0pp YoY 0.0pp QoQ	-7.9pp	7.9%	10.1%	8.5%	0%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	7.4% +1.2pp YoY +0.1pp QoQ	-4.2pp	11.6%	6.5%	12.5%	35%
CRE	63.5% +0.7pp YoY -0.5pp QoQ	+24.0pp	39.5%	56.3%	41.4%	88%
1-4 Family	27.7% -1.2pp YoY +0.1pp QoQ	-4.9pp	32.6%	39.4%	31.3%	46%
Consumer	0.3% +0.2pp YoY 0.0pp QoQ	-3.8pp	4.1%	4.3%	5.0%	11%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	14.1% +0.2pp YoY +0.1pp QoQ	-4.7pp	18.8%	18.8%	19.7%	40%
Leverage Ratio	10.0% +0.5pp YoY +0.1pp QoQ	-2.2pp	12.2%	13.4%	12.6%	32%
Total Capital Ratio	15.4% +0.2pp YoY +0.1pp QoQ	-4.6pp	19.9%	19.8%	20.8%	42%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	122 +6 (+5.2%) YoY +5 (+4.3%) QoQ	+63	58	336	482	93%
Assets per Employee ($)	$5.4M -4.2% YoY -3.8% QoQ	-$2.1M	$7.5M	$11.2M	$8.8M	21%
Branch Count	6 0 YoY 0 QoQ	+1	4	20	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	6.57x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	56%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	8.4% +0.7pp YoY +0.8pp QoQ	-3.7pp	12.2%	6.4%	11.6%	28%
Cost of Funds (YTD)	1.0% 0.0pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.9%	1.7%	12%
Net Income ($, YTD)	$2.6M +23.1% YoY — QoQ	+$31K	$2.6M	$19.8M	$40.4M	63%

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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)

Flatlined Growth

risk

#153 of 529 • Bottom 28.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.78%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

271

Non-Interest Income / Assets

revenue_mix

Value: 0.48%

Peer Median: 0.57%

#271 of 2643 Top 10.2% in $100M-$1B

349

Total Deposits

size

Value: $585.63M

Peer Median: $326.73M

#349 of 2643 Top 13.2% in $100M-$1B

402

Total Assets

size

Value: $656.68M

Peer Median: $386.57M

#402 of 2643 Top 15.2% in $100M-$1B

458

Total Loans

size

Value: $436.62M

Peer Median: $258.35M

#458 of 2643 Top 17.3% in $100M-$1B

Top Weaknesses (3 metrics)

2416

Non-Interest-Bearing Deposit Share

funding

Value: 8.99%

Peer Median: 22.03%

#2416 of 2643 Bottom 8.6% in $100M-$1B

2228

Efficiency Ratio

profitability

Value: 78.32%

Peer Median: 64.48%

#2228 of 2643 Bottom 15.7% in $100M-$1B

2046

Return on Assets

profitability

Value: 0.78%

Peer Median: 1.32%

#2046 of 2643 Bottom 22.6% in $100M-$1B