First Hope Bank, A National Banking Association — FDIC Bank Health Profile

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. The bank currently holds $667M in total assets and $597M in customer deposits, with $430M deployed as loans. It operates as a Nationally chartered (OCC) (National Bank) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.

On safety metrics, First Hope Bank, A National Banking Association reports a Tier 1 Capital Ratio of 14.25% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $61M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.72% and a Return on Equity of 8.38%, with an Efficiency Ratio of 78.34% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (53/100), a composite score that blends all four dimensions.

Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at First Hope Bank, A National Banking Association is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.