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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 $0.0MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $791.9M8%Noninterest $69.6MQ2 2025Q2 2026

NIM

4.02%Q2 ’244.03%Q2 ’254.11%Q2 ’26+43%+35%

Non-interest income vs. expense

2.00%Q2 ’241.99%Q2 ’252.09%Q2 ’26-3%-10%

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 -0.16%, up 55 bps year over year; NIM at 1.59%.
  • Asset quality: problem loans at 0.40% of loans (-24 bps YoY), with net charge-offs at 0.03%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

-0.16%+55 bps YoY

Net Interest Margin (quarter, annualized)

1.59%+41 bps YoY

Efficiency Ratio (quarter, annualized)

101.48%-4,381 bps YoY

Tier 1 Leverage Ratio

8.71%+1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.71%-0.41%-0.07%-0.54%-0.16%+55 bps
Return on Equity-8.06%-4.64%-0.79%-6.24%-1.80%+626 bps
Net Interest Margin1.18%1.38%1.40%1.44%1.59%+41 bps
Efficiency Ratio145.30%125.67%118.24%134.66%101.48%-4,381 bps
Non-Interest Burden1.80%1.79%1.69%1.99%1.62%-18 bps
Growth
Asset Growth (YoY)-3.46%-4.50%-4.30%-1.98%-4.32%-87 bps
Loan Growth (YoY)-3.27%-4.91%-5.55%-5.22%-5.98%-271 bps
Deposit Growth (YoY)-1.72%-3.04%-3.77%-1.56%-3.05%-133 bps
Asset Quality
Nonperforming Loans / Loans0.64%0.29%0.21%0.33%0.40%-24 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.06%0.03%+4 bps
Allowance / Loans0.83%0.84%0.78%0.78%0.82%0 bps
Allowance Coverage of NPLs1.3x2.9x3.8x2.4x2.0x+0.8x
Capital
Tier 1 Leverage Ratio8.70%8.69%8.70%8.59%8.71%+1 bps
Total Risk-Based Capital13.96%14.11%14.14%14.00%14.22%+26 bps
Equity / Assets8.74%8.77%8.81%8.65%8.85%+11 bps
Liquidity & Funding
Loans / Deposits93.60%93.38%91.77%89.43%90.78%-282 bps
Liquid Assets / Assets13.90%14.21%14.61%15.31%14.20%+31 bps
CRE / Total Capitaln/a457%457%462%n/an/a