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

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

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	-0.36%	-0.02%	0.39%	0.84%	Beats 13%	27 / 31
Return on Equity	-4.07%	-0.19%	2.57%	5.72%	Beats 13%	27 / 31
Net Interest Margin	1.53%	2.51%	3.30%	3.85%	Beats 0%	31 / 31
Efficiency Ratio	115.98%	68.41%	83.66%	91.76%	Beats 10%	29 / 31
Asset Quality
Nonperforming Loans / Loans	0.40%	0.18%	0.47%	2.65%	Beats 57%	14 / 30
Net Charge-Offs / Loans	0.02%	n/a	n/a	0.02%	Beats 23%	24 / 30
Capital
Tier 1 Capital Ratio	13.24%	13.24%	15.54%	26.77%	Beats 23%	24 / 31
Total Risk-Based Capital Ratio	14.22%	14.07%	16.32%	26.77%	Beats 29%	22 / 31
Equity / Assets	8.85%	10.38%	13.26%	17.83%	Beats 6%	29 / 31
Liquidity & Funding
Loans / Deposits	90.78%	84.03%	94.98%	103.65%	39th pctl	19 / 31
Loans / Assets	79.25%	61.61%	75.31%	83.78%	61st pctl	12 / 31
Brokered Deposits / Deposits	n/a	Not reported for this institution