| Metric | Bank of Hope | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +5.9% | -3.5 pts |
| Deposit growth (YoY) | -0.3% | +5.7% | -6.0 pts |
| Loan growth (YoY) | +4.1% | +6.9% | -2.9 pts |
| ROA | 0.74% | 1.23% | -0.5 pts |
| ROE | 5.9% | 11.2% | -5.3 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.99B | $15.92B | $14.88B | $2.36B | $69.5M | 0.74% | 2.98% | 0.70% |
| Q1 2026 | $18.65B | $15.77B | $14.58B | $2.34B | $32.4M | 0.70% | 2.94% | 0.75% |
| Q4 2025 | $18.53B | $15.62B | $14.63B | $2.37B | $75.6M | 0.42% | 2.90% | 0.82% |
| Q3 2025 | $18.50B | $15.85B | $14.47B | $2.34B | $34.0M | 0.26% | 2.85% | 0.75% |
| Q2 2025 | $18.54B | $15.96B | $14.30B | $2.31B | $204K | 0.00% | 2.74% | 0.69% |
| Q1 2025 | $17.06B | $14.51B | $13.19B | $2.23B | $24.3M | 0.57% | 2.60% | 0.56% |
| Q4 2024 | $17.05B | $14.35B | $13.48B | $2.21B | $115.3M | 0.65% | 2.64% | 0.69% |
| Q3 2024 | $17.35B | $14.75B | $13.49B | $2.25B | $87.3M | 0.65% | 2.65% | 0.81% |
Loan mix (Q2 2026): real estate $11.50B · commercial $2.69B · consumer $31.2M · securities $2.18B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Hope | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.23% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 11.3% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% | 54.9% | 81th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Hope | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Hope | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Hope | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Hope | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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