BlastPoint's Banking Scorecard
First Hope Bank, A National Banking Association
Hope, NJ
6 branches across NJ
First Hope Bank, A National Banking Association has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + Net Interest Margin 0.12% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 29.1% in tier
- - Efficiency Drag: Bottom 30.7% in tier
- - Non-Interest-Bearing Deposit Share 14.27% below tier average
- - ROA 0.57% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$654.4M
+1.0% YoY
-1.9% QoQ
|
+$268.3M |
$386.1M
+0.5% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
85% |
| Total Loans ? |
$426.4M
+4.4% YoY
-0.9% QoQ
|
+$170.7M |
$255.7M
+1.1% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$583.5M
-0.1% YoY
-2.2% QoQ
|
+$255.5M |
$328.0M
+0.1% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
Top 13.5% in tier |
| Return on Assets ? |
0.70%
+27.6% YoY
-2.7% QoQ
|
-0.57% |
1.27%
+12.9% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
4.05%
+7.6% YoY
+3.6% QoQ
|
+0.12% |
3.93%
+6.0% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
80.42%
+0.4% YoY
+2.7% QoQ
|
+15.13% |
65.29%
-4.5% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
15% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
73.08%
+4.5% YoY
+1.4% QoQ
|
-3.56% |
76.64%
+0.8% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
7.75%
-9.7% YoY
-7.0% QoQ
|
-14.27% |
22.02%
-1.0% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.7% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.05%
+2.9% YoY
-1.4% QoQ
|
-1.78% |
15.83%
+1.5% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.23%
-10.3% YoY
-76.4% QoQ
|
-0.05% |
0.28%
+9.3% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
Top 10.7% in tier |
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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 (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.