BlastPoint's Banking Scorecard
Haven Savings Bank
Designations: ✓ Community bank
Hoboken, NJ
9 branches across NJ
Haven Savings Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 20.0% in tier
- - Return on Assets 1.91% below tier average
- - Net Interest Margin 2.29% below tier average
- - Efficiency Ratio 73.60% above tier average
- - Non-Interest-Bearing Deposit Share 13.28% below tier average
- - Non-Interest Income / Assets 0.23% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
-2.0% YoY
+0.1% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 1.7% in tier |
| Total Loans ? |
$788.3M
-5.2% YoY
-1.2% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.3% in tier |
| Total Deposits ? |
$888.4M
-1.6% YoY
+1.4% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
Bottom 5.7% in tier |
| Return on Assets ? |
-0.54%
+35.9% YoY
-6.4% QoQ
|
-1.91% |
1.37%
+19.6% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 1.1% in tier |
| Net Interest Margin ? |
1.53%
+34.8% YoY
+15.6% QoQ
|
-2.29% |
3.82%
+6.9% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 0.9% in tier |
| Efficiency Ratio ? |
134.66%
-21.5% YoY
-2.3% QoQ
|
+73.60% |
61.06%
-4.6% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 0.7% in tier |
| Delinquency Rate ? |
0.33%
-49.0% YoY
+57.3% QoQ
|
-0.56% |
0.89%
+14.1% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
88.74%
-3.7% YoY
-2.5% QoQ
|
+4.53% |
84.20%
+0.3% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
8.00%
-18.9% YoY
-3.1% QoQ
|
-13.28% |
21.29%
-2.5% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.1% in tier |
| Nonperforming Asset Ratio ? |
0.26%
-50.7% YoY
+55.3% QoQ
|
-0.42% |
0.67%
+15.6% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
13.07%
+50.0% YoY
-1.0% QoQ
|
-2.09% |
15.16%
+2.0% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.03%
+10.6% YoY
-83.3% QoQ
|
-0.23% |
0.26%
+1.6% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.6% in tier |
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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 (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.