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Bank of Hope
Los Angeles, CA·FDIC Cert #26610·Charter: STATE·Est. 19860318.0·HC: HOPE BCORP INC
Total Assets
$18.5B
Q4 2025
Return on Assets
0.42%
+0.17%Peer avg: 1.16%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
69.20%
Peer avg: 54.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
48
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.42%+0.17
ROE
3.30%+1.30
Efficiency
69.20%-1.23
Equity/Assets
0.00%+0.00
NPL Ratio
1.03%+0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
93.67%+2.38
Charge-offs
0.20%-0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.7 | 0.6 | 0.6 | 0.6 | 0.0 | 0.3 | 0.4 |
| ROE | 5.4 | 5.4 | 5.3 | 5.2 | 4.4 | 0.0 | 2.0 | 3.3 |
| Efficiency | 64.6 | 64.6 | 64.8 | 64.2 | 68.7 | 73.5 | 70.4 | 69.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.9 | 0.8 | 1.0 | 0.9 | 0.7 | 0.9 | 1.0 | 1.0 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.3 | 0.2 | 0.2 |
| Loan/Deposit | 91.8 | 91.5 | 91.5 | 94.0 | 90.9 | 89.6 | 91.3 | 93.7 |
Balance Sheet
Total Assets$18.5B
Total Deposits$15.6B
Total Loans$14.6B
Total Equity$2.4B
Profitability
ROA0.42%
ROE3.30%
Efficiency Ratio69.20%
Net Income$75.6M
Risk & Asset Quality
NPL Ratio1.03%
Charge-off Rate0.20%
Loan/Deposit93.67%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans