Hoboken, NJ · Cert 30039 · Haven Bcorp MHC
SI · FDIC · 9 branches
Q2 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
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.66% | -1.56% | -0.85% | -0.71% | -0.41% | -0.07% | -0.54% | -0.16% | +55 bps | |
| Return on Equity | -7.15% | -17.21% | -9.57% | -8.06% | -4.64% | -0.79% | -6.24% | -1.80% | +626 bps | |
| Net Interest Margin | 0.92% | 0.88% | 1.07% | 1.18% | 1.38% | 1.40% | 1.44% | 1.59% | +41 bps | |
| Efficiency Ratio | 177.16% | 188.96% | 171.51% | 145.30% | 125.67% | 118.24% | 134.66% | 101.48% | -4,381 bps | |
| Non-Interest Burden | 1.78% | 1.81% | 1.92% | 1.80% | 1.79% | 1.69% | 1.99% | 1.62% | -18 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 / Loans | 0.84% | 0.69% | 0.64% | 0.64% | 0.29% | 0.21% | 0.33% | 0.40% | -24 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.06% | 0.03% | +4 bps | |
| Allowance / Loans | 0.77% | 0.78% | 0.79% | 0.83% | 0.84% | 0.78% | 0.78% | 0.82% | 0 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.1x | 1.2x | 1.3x | 2.9x | 3.8x | 2.4x | 2.0x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.28% | 8.82% | 8.72% | 8.70% | 8.69% | 8.70% | 8.59% | 8.71% | +1 bps | |
| Total Risk-Based Capital | 9.28% | 8.82% | 8.72% | 13.96% | 14.11% | 14.14% | 14.00% | 14.22% | +26 bps | |
| Equity / Assets | 9.24% | 8.88% | 8.88% | 8.74% | 8.77% | 8.81% | 8.65% | 8.85% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.21% | 93.50% | 92.88% | 93.60% | 93.38% | 91.77% | 89.43% | 90.78% | -282 bps | |
| Liquid Assets / Assets | 14.60% | 14.58% | 14.00% | 13.90% | 14.21% | 14.61% | 15.31% | 14.20% | +31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 457% | 457% | 462% | n/a | n/a | |