BlastPoint's Banking Scorecard

Haddon Savings Bank

$100M-$1B Specialty: Commercial NJ FDIC cert 28222

Designations: ✓ Mutual

Haddon Heights, NJ

2 branches across NJ

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 25 in NJ.
Deposits +7.3% year over year ($351.3M on the books).
Delinquency rate 0.24%.
Return on assets -0.10%.
Efficiency ratio 106.82% vs a 64.48% peer average.
Loan-to-deposit ratio 75.46% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 25 in NJ

View $100M-$1B leaderboard (NJ) →

Haddon Savings Bank has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 17.1% in tier
- Credit Risk Growth: Bottom 47.2% in tier
- Return on Assets 1.42% below tier average
- Net Interest Margin 2.22% below tier average
- Efficiency Ratio 42.34% above tier average
- Non-Interest-Bearing Deposit Share 21.84% below tier average
- Non-Interest Income / Assets 0.52% below tier average

Get updates when Haddon Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$421.4M +5.3% YoY +2.6% QoQ	+$34.8M	$386.6M +1.2% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	64%
Total Loans ?	$265.0M +11.2% YoY +4.5% QoQ	+$6.7M	$258.3M +1.7% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	61%
Total Deposits ?	$351.3M +7.3% YoY -1.0% QoQ	+$24.5M	$326.7M +0.7% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	63%
Return on Assets ?	-0.10% +65.6% YoY +29.0% QoQ	-1.42%	1.32% +10.8% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	Bottom 2.9% in tier
Net Interest Margin ?	1.76% +15.7% YoY +3.0% QoQ	-2.22%	3.99% +5.0% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	Bottom 0.5% in tier
Efficiency Ratio ?	106.82% -10.1% YoY -3.1% QoQ	+42.34%	64.48% -3.2% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	Bottom 1.8% in tier
Delinquency Rate ?	0.24% +34.8% YoY +73.5% QoQ	-0.68%	0.92% +15.7% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	62%
Loan-to-Deposit Ratio ?	75.46% +3.6% YoY +5.5% QoQ	-2.50%	77.95% +1.0% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	59%
Non-Interest-Bearing Deposit Share ?	0.19% +21.2% YoY +36.1% QoQ	-21.84%	22.03% -0.6% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	Bottom 0.8% in tier
Nonperforming Asset Ratio ?	0.15% +42.4% YoY +76.8% QoQ	-0.52%	0.67% +16.4% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	65%
Tier 1 Capital Ratio ?	12.44% -13.1% YoY -7.0% QoQ	-3.47%	15.91% +1.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.04% -36.7% YoY +128.8% QoQ	-0.52%	0.57% +7.6% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	Bottom 4.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Noninterest-Bearing	0.2% 0.0pp YoY +0.1pp QoQ	-22.0pp	22.1%	16.6%	22.2%	0%
Brokered Deposits	26.4% +2.7pp YoY -0.1pp QoQ	+18.6pp	7.9%	10.1%	8.5%	95%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	12.5% -1.8pp YoY -0.7pp QoQ	+1.0pp	11.6%	6.5%	12.5%	66%
CRE	30.5% +6.2pp YoY +2.6pp QoQ	-9.0pp	39.5%	56.3%	41.4%	36%
1-4 Family	57.1% -4.4pp YoY -1.9pp QoQ	+24.5pp	32.6%	39.4%	31.3%	88%
Consumer	0.1% +0.1pp YoY 0.0pp QoQ	-4.0pp	4.1%	4.3%	5.0%	6%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	12.4% -1.9pp YoY -0.9pp QoQ	-6.4pp	18.8%	18.8%	19.7%	22%
Leverage Ratio	8.3% -0.5pp YoY -0.3pp QoQ	-3.9pp	12.2%	13.4%	12.6%	4%
Total Capital Ratio	13.0% -1.9pp YoY -1.0pp QoQ	-6.9pp	19.9%	19.8%	20.8%	16%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	37 +3 (+8.8%) YoY +2 (+5.7%) QoQ	-22	58	336	482	37%
Assets per Employee ($)	$11.4M -3.3% YoY -3.0% QoQ	+$3.9M	$7.5M	$11.2M	$8.8M	91%
Branch Count	2 0 YoY 0 QoQ	-3	4	20	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.2% +0.1pp YoY +0.1pp QoQ	-0.7pp	0.9%	0.8%	1.0%	33%
Allowance Coverage	2.22x -26.6% YoY -42.5% QoQ	-21.93x	24.15x	6.57x	20.23x	50%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.2%	0.2%	9%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	-1.6% +3.5pp YoY +0.6pp QoQ	-13.8pp	12.2%	6.4%	11.6%	3%
Cost of Funds (YTD)	2.9% 0.0pp YoY 0.0pp QoQ	+1.2pp	1.7%	1.9%	1.7%	96%
Net Income ($, YTD)	$-198000.0 +64.5% YoY — QoQ	-$2.8M	$2.6M	$19.8M	$40.4M	3%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#216 of 1256 • Bottom 17.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.24%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#443 of 936 • Bottom 47.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2631

Net Interest Margin

profitability

Value: 1.76%

Peer Median: 3.99%

#2631 of 2643 Bottom 0.5% in $100M-$1B

2622

Non-Interest-Bearing Deposit Share

funding

Value: 0.19%

Peer Median: 22.03%

#2622 of 2643 Bottom 0.8% in $100M-$1B

2596

Efficiency Ratio

profitability

Value: 106.82%

Peer Median: 64.48%

#2596 of 2643 Bottom 1.8% in $100M-$1B

2568

Return on Assets

profitability

Value: -0.10%

Peer Median: 1.32%

#2568 of 2643 Bottom 2.9% in $100M-$1B

2529

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.57%

#2529 of 2643 Bottom 4.4% in $100M-$1B