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Haven Savings Bank

Hoboken, NJ · Cert 30039 · Haven Bcorp MHC

SI · FDIC · 9 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 New York-Newark-Jersey City, NY-NJ 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 New York-Newark-Jersey City, NY-NJ area (n=30 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

19

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

86

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

Haven Savings Bank

Hoboken, NJ · Cert 30039 · Haven Bcorp MHC

SI · FDIC · 9 branches

Q2 2026

$986.9MAssets
$782.1MLoans
$861.5MDeposits
$87.3MEquity
Loan mix
100%RE $793.3M0%C&I $0.0M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $791.9M8%Noninterest $69.6MQ3 2024Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #79 of 151 inst. · $0.9B of $2921.1B

0.8% Hudson
1.0% Union
0.3% Essex
0.1% Bergen

Executive Summary

  • Earnings: ROA of -0.35%, up 43 bps year over year; NIM at 1.53%.
  • Asset quality: problem loans at 0.40% of loans (-24 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.71%, up 1 bps from a year ago.
  • Funding: loans stand at 90.78% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-0.35%+43 bps YoY

Net Interest Margin (YTD, annualized)

1.53%+40 bps YoY

Efficiency Ratio (YTD, annualized)

115.98%-4,159 bps YoY

Tier 1 Leverage Ratio

8.71%+1 bps YoY

NIM

4.00%Q2 ’244.07%Q2 ’254.08%Q2 ’26+33%+35%

Non-interest income vs. expense

2.00%Q2 ’242.03%Q2 ’252.12%Q2 ’26+2%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.74%-0.95%-0.85%-0.78%-0.66%-0.51%-0.54%-0.35%+43 bps
Return on Equity-7.91%-10.17%-9.57%-8.82%-7.44%-5.80%-6.24%-4.03%+479 bps
Net Interest Margin0.89%0.88%1.07%1.13%1.22%1.27%1.44%1.53%+40 bps
Efficiency Ratio191.12%190.58%171.51%157.58%145.49%137.89%134.66%115.98%-4,159 bps
Non-Interest Burden1.85%1.83%1.92%1.88%1.86%1.82%1.99%1.82%-5 bps
Growth
Asset Growth (YoY)-4.41%-2.49%-4.73%-3.46%-4.50%-4.30%-1.98%-4.32%-87 bps
Loan Growth (YoY)-4.35%-3.11%-2.91%-3.27%-4.91%-5.55%-5.22%-5.98%-271 bps
Deposit Growth (YoY)-0.35%0.97%-1.52%-1.72%-3.04%-3.77%-1.56%-3.05%-133 bps
Asset Quality
Nonperforming Loans / Loans0.84%0.69%0.64%0.64%0.29%0.21%0.33%0.40%-24 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.06%0.04%+5 bps
Allowance / Loans0.77%0.78%0.79%0.83%0.84%0.78%0.78%0.82%0 bps
Allowance Coverage of NPLs0.9x1.1x1.2x1.3x2.9x3.8x2.4x2.0x+0.8x
Capital
Tier 1 Leverage Ratio9.28%8.82%8.72%8.70%8.69%8.70%8.59%8.71%+1 bps
Total Risk-Based Capital9.28%8.82%8.72%13.96%14.11%14.14%14.00%14.22%+26 bps
Equity / Assets9.24%8.88%8.88%8.74%8.77%8.81%8.65%8.85%+11 bps
Liquidity & Funding
Loans / Deposits95.21%93.50%92.88%93.60%93.38%91.77%89.43%90.78%-282 bps
Liquid Assets / Assets14.60%14.58%14.00%13.90%14.21%14.61%15.31%14.20%+31 bps
CRE / Total Capitaln/an/an/an/a457%457%462%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

Haven Savings Bank

Hoboken, NJ · Cert 30039 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Haven Bcorp MHC

SI · FDIC · 9 branches

Q2 2026

$986.9MAssets
$782.1MLoans
$861.5MDeposits
$87.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 57% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 14 of 30).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 31 of 31).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-0.36%

Rank 27 of 31

Net Interest Margin

1.53%

Rank 31 of 31

Efficiency Ratio

115.98%

Rank 29 of 31

Equity / Assets

8.85%

Rank 29 of 31

Non-interest income vs. expense

$3.0M$21.1MINCOMEEXPENSE
Unfavorable gap of $18.1M · efficiency ratio beats 10% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.36%-0.02%0.39%0.84%Beats 13%27 / 31n/a
Return on Equity-4.07%-0.19%2.57%5.72%Beats 13%27 / 31n/a
Net Interest Margin1.53%2.51%3.30%3.85%Beats 0%31 / 31n/a
Efficiency Ratio115.98%68.41%83.66%91.76%Beats 10%29 / 31n/a
Asset Quality
Nonperforming Loans / Loans0.40%0.18%0.47%2.65%Beats 57%14 / 30n/a
Net Charge-Offs / Loans0.02%n/an/a0.02%Beats 23%24 / 30n/a
Capital
Tier 1 Capital Ratio13.24%13.24%15.54%26.77%Beats 23%24 / 31n/a
Total Risk-Based Capital Ratio14.22%14.07%16.32%26.77%Beats 29%22 / 31n/a
Equity / Assets8.85%10.38%13.26%17.83%Beats 6%29 / 31n/a
Liquidity & Funding
Loans / Deposits90.78%84.03%94.98%103.65%39th pctl19 / 31n/a
Loans / Assets79.25%61.61%75.31%83.78%61st pctl12 / 31n/a
Brokered Deposits / Depositsn/aNot reported for this institution