TellerScore

First Hope Bank, A National Banking Association is a national bank headquartered in Hope, New Jersey, in business for about 115 years. At the end of Q2 2026 it reported $656.7M in total assets and $585.6M in deposits, with 6 offices.

Based on its Q2 2026 filing, First Hope Bank, A National Banking Association scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 50 banks headquartered in New Jersey, it ranks 18th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (50/100; 10.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.02%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 74.6% · 33.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (68 → 70), mostly because the capital cushion component improved by 5 points.

TellerScore
636770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202464
Q4 202464
Q1 202567
Q2 202568
Q3 202568
Q4 202568
Q1 202669
Q2 202670
Tier 1 leverage ratio
5.00%7.51%10.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.35%
Q3 20249.09%
Q4 20249.22%
Q1 20259.50%
Q2 20259.54%
Q3 20259.53%
Q4 20259.54%
Q1 20269.92%
Q2 202610.02%
Noncurrent loans
0.00%0.05%0.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.11%
Q3 20240.11%
Q4 20240.10%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.31%0.55%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.31%
Q3 20240.38%
Q4 20240.43%
Q1 20250.55%
Q2 20250.65%
Q3 20250.68%
Q4 20250.72%
Q1 20260.70%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$656.7M10.02%0.00%0.78%74.6%
Q1 202669$654.4M9.92%0.00%0.70%73.1%
Q4 202568$666.8M9.54%0.00%0.72%72.1%
Q3 202568$677.1M9.53%0.00%0.68%67.9%
Q2 202568$651.5M9.54%0.00%0.65%70.2%
Q1 202567$647.9M9.50%0.00%0.55%69.9%
Q4 202464$640.5M9.22%0.10%0.43%70.5%
Q3 202464$651.2M9.09%0.11%0.38%68.2%
Q2 202463$621.4M9.35%0.11%0.31%72.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.02%
32nd
Total risk-based capital15.38%
70th
Problem loans0.00%
94th
Net charge-offs0.02%
37th
Return on assets0.78%
23rd
Net interest margin4.13%
61st
Efficiency ratio78.3%
16th
Loans to deposits74.6%
61st
Uninsured deposits33.9%
19th
Loan-loss reserves1.30%
62nd
Texas ratio0.0%
95th

Similar-size banks in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Century Savings BankBank Vineland, NJ81 out of 100, Strong$634.8M13.2%0.00%vs
Crown BankBank Elizabeth, NJ58 out of 100, Moderate$614.3M26.1%5.77%vs
Crest Savings BankBank Wildwood, NJ62 out of 100, Moderate$594.2M8.9%0.01%vs
Cenlar FSBBank Ewing, NJ71 out of 100, Strong$782.0M16.6%0.21%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs
Freedom BankBank Maywood, NJ63 out of 100, Moderate$838.3M9.8%0.28%vs

Deposit insurance

Is my money safe at First Hope Bank, A National Banking Association?

Yes. First Hope Bank, A National Banking Association is an FDIC-insured institution (FDIC certificate #6354). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.9% of deposits ($198.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.38% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

First Hope Bank, A National Banking Association lists 6 offices in 6 cities. Most locations:

  • Blairstown, NJ (1)
  • Great Meadows, NJ (1)
  • Hackettstown, NJ (1)
  • Hope, NJ (1)
  • Newton, NJ (1)
  • Sparta, NJ (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Hope Bank, A National Banking Association reported 108 home-loan applications under HMDA (LEI 5493003XLOX5FDT9R120): 80 originated ($37,930,000 total), 14 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Hope Bank, A National Banking Association
Former names
The First National Bank of Hope
Type
National bank
FDIC certificate #
6354
RSSD ID
434203
Primary regulator
OCC
Holding company
First Hope Bcorp
Established
September 11, 1911
Headquarters
1301 Hope Bridgeville Rd., Hope, NJ 07844
Employees
122

Quick answers

First Hope Bank, A National Banking Association: common questions

Is First Hope Bank, A National Banking Association FDIC insured?

Yes. First Hope Bank, A National Banking Association is an FDIC-insured institution (FDIC certificate #6354). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Hope Bank, A National Banking Association's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Hope Bank, A National Banking Association ever failed?

There is no failure record for FDIC certificate #6354 in the FDIC failed bank list.

How many branches does First Hope Bank, A National Banking Association have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hope

InstitutionScoreAssetsCapitalProblem loansCompare
First Northern Bank and Trust CompanyBank Palmerton, PA81 out of 100, Strong$921.5M15.3%1.16%vs
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs
Irco Community Federal Credit UnionCredit union Phillipsburg, NJ78 out of 100, Strong$93.7M10.1%0.01%vs
Citizens Savings BankBank Clarks Summit, PA78 out of 100, Strong$359.0M15.1%0.27%vs
Utilities Employees Credit UnionCredit union Reading, PA77 out of 100, Strong$1.5B15.7%1.26%vs
Pocono Medical Center Federal Credit UnionCredit union East Stroudsbur, PA76 out of 100, Strong$3.4M12.9%0.28%vs