Total Assets
$667M
Total balance-sheet footings
FDIC Cert #6354 · Hope, New Jersey · Est. 1911
First Hope Bank, A National Banking Association - FDIC Bank Health Profile
A community-scale look at First Hope Bank, A National Banking Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $667M
- Total assets
- B
- Health grade · Good
- 0.72%
- Return on assets
- 14.3%
- Tier 1 capital
Data updated July 2026
The verdict
First Hope Bank, A National Banking Association earns a PlainBankData health grade of B (73/100), with well-capitalized at 14.25% Tier 1, 0.72% ROA, 78% efficiency ratio.
- #1,429
- largest of 4,313 FDIC banks by assets
- 67th
- percentile by asset size, nationally
- 14.25%
- Tier 1 ratio - above the 10% well-capitalized line
- 26th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First Hope Bank, A National Banking Association's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Hope Bank, A National Banking Association's composite health score
Tier 1 Capital Ratio (14.25%) 35/40
Return on Assets (ROA) (0.72%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (78.34%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$597M
Customer-funded liabilities
Net Loans
$430M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Hope Bank, A National Banking Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Hope Bank, A National Banking Association's score of 73/100 falls in the highlighted band.
First Hope Bank, A National Banking Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Hope Bank, A National Banking Association's $667M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.25% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.25%
Texas Ratio
0.00%
Equity Capital
$61M
Profitability metrics
Return on Assets (ROA)
26th percentile nationally
0.72%
Return on Equity (ROE)
8.38%
Efficiency Ratio
78.34%
What the numbers say about First Hope Bank, A National Banking Association
First Hope Bank, A National Banking Association is an FDIC-insured institution (Certificate #6354) headquartered in Hope, New Jersey, established in 1911. It holds $667M in total assets - 1,429th of 4,313 FDIC-insured banks, $597M in customer deposits, and $430M in net loans. Its capital position: a Tier 1 ratio of 14.25%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Hope Bank, A National Banking Association sits 33rd of 51 banks headquartered in New Jersey by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$31M
Interest Income
$6M
Non-Interest Income
$24M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Hope Bank, A National Banking Association reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Jersey by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Hope Bank, A National Banking Association (FDIC Cert #6354) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Valley National BankPassaic | $64.1B | B | 0.99% |
| Provident BankJersey City | $24.9B | A | 1.28% |
| OceanFirst Bank, National AssociationToms River | $14.5B | B | 0.61% |
| ConnectOne BankEnglewood Cliffs | $14.0B | A | 0.77% |
| Columbia BankFair Lawn | $11.0B | B | 0.48% |
| Cross River BankFort Lee | $8.1B | C | 0.29% |
| Kearny BankKearny | $7.6B | C | 0.43% |
| Peapack Private Bank & TrustBedminster | $7.5B | C | 0.57% |
Frequently asked questions
What is First Hope Bank, A National Banking Association's health grade?▼
First Hope Bank, A National Banking Association receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Hope Bank, A National Banking Association?▼
First Hope Bank, A National Banking Association holds $667M in total assets and $597M in deposits, ranking 1,429th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hope, New Jersey.
Is my money safe at First Hope Bank, A National Banking Association?▼
Yes, deposits at First Hope Bank, A National Banking Association (Certificate #6354) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Hope Bank, A National Banking Association's Tier 1 Capital Ratio?▼
First Hope Bank, A National Banking Association has a Tier 1 Capital Ratio of 14.25%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Hope Bank, A National Banking Association?▼
First Hope Bank, A National Banking Association has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Hope Bank, A National Banking Association?▼
First Hope Bank, A National Banking Association has an Efficiency Ratio of 78.34%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Hope Bank, A National Banking Association's profile as a depositor or analyst.
- First Hope Bank, A National Banking Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Hope Bank, A National Banking Association against other New Jersey banks before moving funds. New Jersey banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.