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Hope Bancorp (HOPE) investor relations material
Hope Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Completed acquisition of Territorial Bancorp, expanding into Hawaii and adding $1.67B in deposits and over $1B in loans, diversifying the loan portfolio.
Reported Q2 2025 net loss of $27.9M ($-0.22 per share) due to $52.4M in notable items, including merger, securities repositioning, and a California tax law change; excluding notable items, net income was $24.5M ($0.19 per share).
Strong capital and liquidity post-acquisition, with all regulatory ratios well above required levels.
Strategic sale and reinvestment of legacy securities expected to add $12M to annual interest income.
Financial highlights
Net interest income rose 17% quarter over quarter to $117.5M, with net interest margin up 15 bps to 2.69%.
Noninterest income, excluding notable items, up 44% year over year to $15.9M; GAAP noninterest income impacted by $38.9M loss on securities sales.
Noninterest expense excluding notable items was $92M–$92.2M, up from $81M sequentially, reflecting integration costs.
Total deposits grew 10% sequentially to $15.9B, and loans receivable increased 8% to $14.4B.
Efficiency ratio, excluding notable items, improved to 69.1% from 69.8%.
Outlook and guidance
2025 outlook: high single-digit percentage growth in loans and net interest income; upper-20s percentage growth in noninterest income.
Effective tax rate expected at ~14% for Q3 and Q4 2025, with ongoing rate lowered by ~1% due to California law change.
Management expects improved earnings and profitability from strategic actions and integration of Territorial.
Liquidity sources sufficient for foreseeable needs, with $8.44B available at quarter-end.
Focus on cost synergies and continued integration of Territorial operations.
How will securities repositioning impact interest income?
Detail Territorial Savings' deposit cost impact.
Explain the CRE loan portfolio composition change.
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Next Hope Bancorp earnings date
Q3 202528 Oct, 2025
Next Hope Bancorp earnings date
Q3 202528 Oct, 2025
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Frequently asked questions
Hope Bancorp Inc. operates as the holding company for Bank of Hope, a commercial bank serving multi-ethnic communities, particularly Korean-Americans. It offers business and consumer banking products including loans, deposits, and treasury services. The bank operates branches across several U.S. states. The company is headquartered in Los Angeles, California, and its shares are listed on the NASDAQ.
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