Brookhaven, MS · Cert 35439 · Haven Capital Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.15% | 0.43% | 1.41% | 1.33% | 1.37% | 0.05% | 1.32% | 1.22% | -11 bps | |
| Return on Equity | 10.75% | 3.99% | 13.95% | 13.06% | 12.53% | 0.44% | 12.24% | 11.43% | -163 bps | |
| Net Interest Margin | 3.32% | 3.35% | 3.36% | 3.57% | 3.67% | 3.51% | 3.54% | 3.57% | 0 bps | |
| Efficiency Ratio | 63.21% | 78.35% | 58.86% | 61.45% | 59.19% | 76.29% | 60.37% | 62.54% | +109 bps | |
| Non-Interest Burden | 1.90% | 2.33% | 1.76% | 1.99% | 1.95% | 2.54% | 1.91% | 2.02% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.07% | 6.26% | 6.95% | 6.03% | 4.80% | 3.15% | 4.09% | 6.15% | +12 bps | |
| Loan Growth (YoY) | 18.29% | 14.09% | 12.68% | 2.98% | 1.07% | 4.52% | 8.81% | 9.78% | +680 bps | |
| Deposit Growth (YoY) | -0.79% | 6.35% | 6.54% | 5.83% | 4.60% | 2.27% | 3.90% | 5.91% | +8 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.01% | 0.01% | 0.00% | 0.01% | 0.03% | 0.02% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.00% | 0.02% | -0.01% | 0.01% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 0.85% | 0.92% | 0.91% | 0.86% | 0.87% | 0.91% | 0.90% | 0.89% | +3 bps | |
| Allowance Coverage of NPLs | 31.4x | 152.9x | 111.3x | 193.3x | 166.6x | 30.2x | 45.2x | 39.7x | -153.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.00% | 11.81% | 11.51% | 11.63% | 12.20% | 11.97% | 11.65% | 11.64% | +2 bps | |
| Total Risk-Based Capital | 18.60% | 18.21% | 18.33% | 19.02% | 19.64% | 18.79% | 17.87% | 18.83% | -20 bps | |
| Equity / Assets | 11.17% | 10.24% | 9.93% | 10.46% | 11.43% | 11.31% | 10.36% | 10.93% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.03% | 65.04% | 59.49% | 62.20% | 63.81% | 66.48% | 62.30% | 64.48% | +228 bps | |
| Liquid Assets / Assets | 12.10% | 12.44% | 20.05% | 17.67% | 16.36% | 10.94% | 18.43% | 16.13% | -154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 213% | 228% | 227% | n/a | n/a | |