First Hope Bank, A National Banking Association: how it compares with its peers
Against 19 NJ banks with half to twice its assets, First Hope Bank, A National Banking Association's strongest measure in Q2 2026 is net interest margin (4.13% vs. a 3.15% peer median). Its weakest relative measure is assets per employee ($5.4M vs. $10.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.78% | 0.53% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.13% | 3.15% | Top third Ahead of 89% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.32% | 75.87% | Middle third Ahead of 42% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $10.4M | Bottom third Ahead of 16% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.56% | 90.03% | Context |
What it means for lending operations
Its efficiency ratio of 78.32% is above the 75.87% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Century Savings Bank Vineland, NJ · $635M
- Crown Bank Elizabeth, NJ · $614M
- Crest Savings Bank Wildwood, NJ · $594M
- Cenlar FSB Ewing, NJ · $782M
- Hana Bank USA, National Association Fort Lee, NJ · $835M
- Freedom Bank Maywood, NJ · $838M
Questions about First Hope Bank, A National Banking Association
How big is First Hope Bank, A National Banking Association?
First Hope Bank, A National Banking Association, established in 1911, is headquartered in Hope, NJ. It reported $657M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is First Hope Bank, A National Banking Association's return on assets?
0.78% annualized in Q2 2026, against a 0.53% median for 19 NJ banks with half to twice its assets, ahead of 74% of them.
What is First Hope Bank, A National Banking Association's efficiency ratio?
78.32% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 75.87%, and lower is better.
Is First Hope Bank, A National Banking Association growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits shrank 0.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NJ banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Jersey bank ranked.