🏦Bank Scorer

FIRST HOPE BANK, A NATIONAL BANKING ASSOCIATION

HOPE, NJ · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1911FDIC #6,354
Satisfactory Same

Current rating · Exam: February 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.70%

Institution Profile

FDIC BankFind

Address

1301 Hope Bridgeville Rd., HOPE, NJ

County

Warren County

Established

September 11, 1911

Total Assets

$654M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 24, 2020

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$654M

Total Deposits

$584M

Net Loans

$426M

Net Income

$1M

ROA

0.70%

ROE

7.62%

Risk-Based Capital

15.30%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate18.75%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$586M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411265.18%18.75%
202311670.69%16.38%
202218968.78%17.46%
202131880.19%10.38%
202034176.25%12.02%
201921378.87%16.43%
201816564.24%21.21%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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