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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