Side-by-side · Q2 2026 data
First Hope Bank, A National Banking Association vs Citizens Savings Bank
Bank
First Hope Bank, A National Banking Association
Hope, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | First Hope Bank, A National Banking Association | Citizens Savings Bank |
|---|---|---|
| TellerScore | 70 | 78 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 51 (stronger) | 30 |
| Funding & liquidity | 65 (stronger) | 62 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 43rd | 72nd |
| Total assets | $656.7M | $359.0M |
| Deposits / shares | $585.6M | $304.0M |
| Capital ratio | 10.02% | 15.12% (stronger) |
| Problem loans | 0.00% (stronger) | 0.27% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.78% (stronger) | 0.24% |
| Loans ÷ deposits | 74.6% (stronger) | 98.1% |
| Uninsured deposits | 33.9% | 6.7% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 6.0% |
Citizens Savings Bank has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Hope Bank, A National Banking Association leads on 3 and Citizens Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.