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Haven Savings Bank

$100M-$1B Specialty: Commercial NJ FDIC cert 30039

Hoboken, NJ

9 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 -3.1% year over year ($861.5M on the books).
  • Delinquency rate 0.41%.
  • Return on assets -0.35%.
  • Efficiency ratio 115.98% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.03% 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) →

Haven 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 0.51% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 0.4% in tier
  • - Capital Constraint: Bottom 38.3% in tier
  • - Deposit Outflow: Bottom 43.9% in tier
  • - Return on Assets 1.68% below tier average
  • - Net Interest Margin 2.38% below tier average
  • - Efficiency Ratio 51.50% above tier average
  • - Non-Interest-Bearing Deposit Share 13.95% below tier average
Get updates when Haven 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 ? $986.9M
-4.3% YoY -2.8% QoQ
+$600.3M $386.6M
+1.2% YoY
$4.4B
+7.9% YoY
$6.3B
+7.7% YoY
Top 0.5% in tier
Total Loans ? $775.7M
-6.0% YoY -1.6% QoQ
+$517.3M $258.3M
+1.7% YoY
$3.3B
+6.8% YoY
$3.2B
+9.4% YoY
Top 0.6% in tier
Total Deposits ? $861.5M
-3.1% YoY -3.0% QoQ
+$534.8M $326.7M
+0.7% YoY
$3.6B
+8.2% YoY
$4.9B
+7.3% YoY
Top 0.4% in tier
Return on Assets ? -0.35%
+54.7% YoY +35.1% QoQ
-1.68% 1.32%
+10.8% YoY
0.53%
-11.1% YoY
1.30%
+12.1% YoY
Bottom 2.1% in tier
Net Interest Margin ? 1.61%
+35.7% YoY +5.1% QoQ
-2.38% 3.99%
+5.0% YoY
3.11%
+4.3% YoY
3.95%
+4.9% YoY
Bottom 0.4% in tier
Efficiency Ratio ? 115.98%
-26.4% YoY -13.9% QoQ
+51.50% 64.48%
-3.2% YoY
78.52%
+3.6% YoY
70.05%
+2.5% YoY
Bottom 1.1% in tier
Delinquency Rate ? 0.41%
-36.9% YoY +23.3% QoQ
-0.51% 0.92%
+15.7% YoY
0.69%
-16.2% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 90.03%
-3.0% YoY +1.5% QoQ
+12.08% 77.95%
+1.0% YoY
81.90%
-3.2% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 8.08%
+4.6% YoY +1.0% QoQ
-13.95% 22.03%
-0.6% YoY
16.56%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 7.2% in tier
Nonperforming Asset Ratio ? 0.32%
-38.0% YoY +24.8% QoQ
-0.35% 0.67%
+16.4% YoY
0.61%
-0.3% YoY
0.69%
+15.8% YoY
50%
Tier 1 Capital Ratio ? 13.24%
+2.1% YoY +1.3% QoQ
-2.67% 15.91%
+1.4% YoY
19.31%
+2.7% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.15%
+94.9% YoY +377.5% QoQ
-0.41% 0.57%
+7.6% YoY
0.77%
-2.9% YoY
0.66%
+5.2% YoY
35%

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 8.1%
+0.4pp YoY
+0.1pp QoQ
 -14.1pp 22.1% 16.6% 22.2% 7%
Brokered Deposits 9.3%
-1.2pp YoY
-0.3pp QoQ
 +1.5pp 7.9% 10.1% 8.5% 73%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
C&I n/a n/a 11.6% 6.5% 12.5% n/a
CRE 50.7%
+0.7pp YoY
-0.2pp QoQ
 +11.2pp 39.5% 56.3% 41.4% 71%
1-4 Family 50.1%
-0.4pp YoY
+0.4pp QoQ
 +17.4pp 32.6% 39.4% 31.3% 82%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 4.3% 5.0% 1%

Capital

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
CET1 Ratio 13.2%
+0.3pp YoY
+0.2pp QoQ
 -5.6pp 18.8% 18.8% 19.7% 31%
Leverage Ratio 8.7%
0.0pp YoY
+0.1pp QoQ
 -3.5pp 12.2% 13.4% 12.6% 8%
Total Capital Ratio 14.2%
+0.3pp YoY
+0.2pp QoQ
 -5.7pp 19.9% 19.8% 20.8% 29%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Full-Time Employees 95
-4 (-4.0%) YoY
+1 (+1.1%) QoQ
 +36 58 336 482 85%
Assets per Employee ($) $10.4M
-0.3% YoY
-3.8% QoQ
 +$2.9M $7.5M $11.2M $8.8M 88%
Branch Count 9
0 YoY
0 QoQ
 +4 4 20 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
 -0.2pp 0.3% 0.1% 0.4% 46%
Nonaccrual 0.3%
-0.3pp YoY
0.0pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 40%
Allowance Coverage 2.05x
+57.9% YoY
-14.0% QoQ
 -22.11x 24.15x 6.57x 20.23x 48%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 64%

Profitability

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
ROE -4.0%
+4.8pp YoY
+2.2pp QoQ
 -16.2pp 12.2% 6.4% 11.6% 2%
Cost of Funds (YTD) 2.7%
-0.4pp YoY
0.0pp QoQ
 +1.0pp 1.7% 1.9% 1.7% 93%
Net Income ($, YTD) $-1775000.0
+56.3% YoY
— QoQ
 -$4.3M $2.6M $19.8M $40.4M 1%

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 (3)

Liquidity Strain

risk
#4 of 691 • Bottom 0.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.03%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Capital Constraint

risk
#42 of 107 • Bottom 38.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 90.03%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 13.24%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Deposit Outflow

decline
#236 of 535 • Bottom 43.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

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

Top Strengths (3 metrics)

12
Total Deposits
size
Value: $861.54M
Peer Median: $326.73M
#12 of 2643 Top 0.4% in $100M-$1B
13
Total Assets
size
Value: $986.88M
Peer Median: $386.57M
#13 of 2643 Top 0.5% in $100M-$1B
16
Total Loans
size
Value: $775.68M
Peer Median: $258.35M
#16 of 2643 Top 0.6% in $100M-$1B

Top Weaknesses (4 metrics)

2634
Net Interest Margin
profitability
Value: 1.61%
Peer Median: 3.99%
#2634 of 2643 Bottom 0.4% in $100M-$1B
2616
Efficiency Ratio
profitability
Value: 115.98%
Peer Median: 64.48%
#2616 of 2643 Bottom 1.1% in $100M-$1B
2588
Return on Assets
profitability
Value: -0.35%
Peer Median: 1.32%
#2588 of 2643 Bottom 2.1% in $100M-$1B
2453
Non-Interest-Bearing Deposit Share
funding
Value: 8.08%
Peer Median: 22.03%
#2453 of 2643 Bottom 7.2% in $100M-$1B
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