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Haddon Savings Bank

Haddon Heights, NJ · Cert 28222

SI · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

13

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

4

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

10

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Haddon Savings Bank

Haddon Heights, NJ · Cert 28222

SI · FDIC · 2 branches

Q2 2026

$421.4MAssets
$266.5MLoans
$351.3MDeposits
$24.2MEquity
Loan mix
87%RE $220.7M13%C&I $33.4M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $350.6M0%Noninterest $0.7MQ2 2025Q2 2026

NIM

3.63%Q2 ’244.20%Q2 ’254.36%Q2 ’26+26%+14%

Non-interest income vs. expense

1.77%Q2 ’241.87%Q2 ’251.85%Q2 ’26+9%+2%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #43 of 88 inst. · $0.4B of $685.1B

Executive Summary

  • Earnings: ROA of -0.10%, up 18 bps year over year; NIM at 1.65%.
  • Asset quality: problem loans at 0.24% of loans (+6 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 8.28%, down 52 bps from a year ago.
  • Funding: loans stand at 75.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.10%+18 bps YoY

Net Interest Margin (YTD, annualized)

1.65%+21 bps YoY

Efficiency Ratio (YTD, annualized)

106.82%-1,201 bps YoY

Tier 1 Leverage Ratio

8.28%-52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.28%-0.20%-0.21%-0.13%-0.10%+18 bps
Return on Equity-5.13%-3.64%-3.70%-2.25%-1.62%+351 bps
Net Interest Margin1.44%1.47%1.47%1.64%1.65%+21 bps
Efficiency Ratio118.83%114.23%113.81%110.27%106.82%-1,201 bps
Non-Interest Burden1.74%1.70%1.70%1.81%1.77%+3 bps
Growth
Asset Growth (YoY)4.18%-0.14%2.19%2.76%5.27%+109 bps
Loan Growth (YoY)14.46%9.38%11.08%6.85%11.20%-326 bps
Deposit Growth (YoY)3.47%10.90%10.27%10.74%7.32%+385 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.20%0.18%0.14%0.24%+6 bps
Net Charge-Offs / Loans0.06%0.03%0.05%-0.04%-0.02%-8 bps
Allowance / Loans0.54%0.53%0.54%0.53%0.53%-1 bps
Allowance Coverage of NPLs3.0x2.6x3.0x3.9x2.2x-0.8x
Capital
Tier 1 Leverage Ratio8.80%8.76%8.66%8.56%8.28%-52 bps
Total Risk-Based Capital14.90%14.84%14.16%13.95%12.99%-191 bps
Equity / Assets5.69%5.97%6.07%5.92%5.73%+4 bps
Liquidity & Funding
Loans / Deposits73.21%70.56%72.34%71.90%75.86%+265 bps
Liquid Assets / Assets6.59%6.76%6.29%4.66%6.96%+37 bps
CRE / Total Capitaln/a174.90%191.71%206%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Haddon Savings Bank

Haddon Heights, NJ · Cert 28222 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

SI · FDIC · 2 branches

Q2 2026

$421.4MAssets
$266.5MLoans
$351.3MDeposits
$24.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 52% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 14 of 27).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 31 of 31).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-0.09%

Rank 29 of 31

Net Interest Margin

1.65%

Rank 31 of 31

Efficiency Ratio

106.82%

Rank 29 of 31

Equity / Assets

5.73%

Rank 30 of 31

Non-interest income vs. expense

$0.4M$7.7MINCOMEEXPENSE
Unfavorable gap of $7.4M · efficiency ratio beats 10% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 106.82%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.09%0.63%0.93%2.39%Beats 6%29 / 31
Return on Equity-1.64%4.15%7.07%14.29%Beats 6%29 / 31
Net Interest Margin1.65%2.72%3.26%3.84%Beats 0%31 / 31
Efficiency Ratio106.82%49.04%63.83%80.34%Beats 10%29 / 31
Asset Quality
Nonperforming Loans / Loans0.24%0.00%0.24%1.22%Beats 52%14 / 27
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 37%18 / 27
Capital
Tier 1 Capital Ratio12.44%13.01%19.43%42.39%Beats 16%26 / 31
Total Risk-Based Capital Ratio12.99%13.95%20.55%43.38%Beats 19%25 / 31
Equity / Assets5.73%9.21%12.36%21.28%Beats 3%30 / 31
Liquidity & Funding
Loans / Deposits75.86%52.41%83.15%99.86%39th pctl19 / 31
Loans / Assets63.24%37.80%67.87%79.23%39th pctl19 / 31
Brokered Deposits / Depositsn/aNot reported for this institution