First Hope Bk A Natl Bk Assn
Hope, New Jersey · FDIC Cert #6354
First Hope Bk A Natl Bk Assn is an FDIC-insured bank (Certificate #6354) with $621M in total assets and $560M in total deposits as of the Q2 2024 Call Report. Headquartered in Hope, New Jersey, the bank maintains a Tier 1 capital ratio of 13.09% (Well-Capitalized) and a nonperforming loan ratio of 0.11%. BankHealthData assigns a composite Health Grade of A (86/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Hope Bk A Natl Bk Assn (FDIC cert 6354) is a community bank — $621M in total assets, $560M in deposits, serving the Hope, New Jersey area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.09% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.11% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 28.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.34% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. First Hope Bk A Natl Bk Assn carries a composite BankHealth grade of A (86/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Hope Bk A Natl Bk Assn
- Total Assets
- $621M
- Total Deposits
- $560M
- Tier 1 Capital Ratio
- 13.09%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.11%
- Liquidity Ratio
- 28.57%
- Return on Assets
- 0.34%
- Headquarters
- Hope, New Jersey
- FDIC Certificate
- #6354
- Health Grade
- A (86/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Hope Bk A Natl Bk Assn holds a Tier 1 capital ratio of 13.09%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Hope Bk A Natl Bk Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Hope Bk A Natl Bk Assn shows strong financial health indicators. With $621M in assets and a Health Score of 86/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Hope Bk A Natl Bk Assn Compares
First Hope Bk A Natl Bk Assn’s Health Score of 86 is 14 points above the New Jersey state average of 72 across 48 FDIC-insured banks. Its 13.09% Tier 1 capital ratio is 0.9 points below the US banking industry average near 14%. The 0.11% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.34% is below the national ROA benchmark of ~1.1%. Among 1342 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, First Hope Bk A Natl Bk Assn is 16 points above the portfolio average of 70.
Frequently Asked Questions
First Hope Bk A Natl Bk Assn has a Bank Health Score of A (86/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 13.09%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Hope Bk A Natl Bk Assn's Tier 1 capital ratio of 13.09% and nonperforming loan ratio of 0.11% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Hope Bk A Natl Bk Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #6354). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Hope Bk A Natl Bk Assn holds $621M in total assets and $560M in total deposits. It is headquartered in Hope, New Jersey (FDIC Certificate #6354).
First Hope Bk A Natl Bk Assn has a Tier 1 capital ratio of 13.09%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.11%, and the return on assets is 0.34%.
Yes. First Hope Bk A Natl Bk Assn is FDIC-insured (Certificate #6354). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Hope Bk A Natl Bk Assn's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.