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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New Jersey, the state note

Haven Savings Bank

Hoboken, New Jersey · $987M in assets · beside the 11 other New Jersey banks between $300M and $1B

The filing

116.0%
Efficiency
12th of 12
-0.36%
ROA
11th of 12
398.2%
CRE / capital
11th of 12

Haven Savings Bank is the largest of the 12 New Jersey banks nearest its size between $300M and $1B, with $987M in assets at 30 June 2026. Loans are 90.8% of deposits, 8th of 12 against a median of 87.5%, and equity is 8.8% of assets, 9th of 12. Loans grew -6.0% in the year, 10th of 12, and deposits fell 3.1%; the cohort's median loan growth is +1.5%.

Noncurrent loans are 0.40% of the book, 9th of 12 against a median of 0.23%; 0.54% is 30 to 89 days past due, and the allowance covers them 2.0 times. Commercial real estate is 47.4% of loans, 9th of 12 against a median of 35.8%, and 398% of capital, above the 300% screen, with construction at 17% against the 100% screen.

Return on assets is -0.36%, 11th of 12 against a median of 0.60%, on an efficiency ratio of 116.0%, the highest in the cohort. Five years ago it was 0.16%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 3.0% of loans).

The efficiency ratioNJ banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 75.9% CB Crown Bank 44.9% NM New Millennium Bank 49.5% CS Century Savings Bank 53.3% HB Hana Bank USA National Association 55.5% FB Freedom Bank 63.1% NN Newfield National Bank 73.5% FH First Hope Bank A National Bank Association 78.3% CS Crest Savings Bank 81.0% BS Bogota Savings Bank 82.2% CF Cenlar FSB 104.2% HS Haddon Savings Bank 106.8% HS Haven Savings Bank 116.0%
Loans, year over yearNJ banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +1.5% HS Haddon Savings Bank +11.2% HB Hana Bank USA National Association +9.6% FB Freedom Bank +8.2% FH First Hope Bank A National Bank Association +6.0% CS Century Savings Bank +4.1% NN Newfield National Bank +2.5% CB Crown Bank +0.5% CS Crest Savings Bank -1.3% NM New Millennium Bank -5.2% HS Haven Savings Bank -6.0% BS Bogota Savings Bank -8.0% CF Cenlar FSB -12.2%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Haven Savings BankRankCohort median
Total CRE against capital, the 300% screen398%11th of 12171%
Construction against capital, the 100% screen17%6th of 1222%
Construction and land development, share of loans2.0%5th of 123.7%
Non-owner-occupied nonfarm nonresidential, share of loans9.1%2nd of 1222.6%
Total CRE, the guidance definition, share of loans47.4%9th of 1235.8%
CRE growth over 36 months, the third prong-2.7%2nd of 11+23.4%
Commercial real estate against capital, the 300% screenNJ banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 171% CF Cenlar FSB 0% CS Century Savings Bank 131% BS Bogota Savings Bank 132% HB Hana Bank USA National Association 145% CS Crest Savings Bank 149% NM New Millennium Bank 168% NN Newfield National Bank 174% HS Haddon Savings Bank 192% CB Crown Bank 197% FH First Hope Bank A National Bank Association 229% HS Haven Savings Bank 398% FB Freedom Bank 575%
CRE growth over 36 months, the guidance's third prongNJ banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +23.4% BS Bogota Savings Bank -5.4% HS Haven Savings Bank -2.7% CS Crest Savings Bank +3.1% CB Crown Bank +14.7% FH First Hope Bank A National Bank Association +20.1% NN Newfield National Bank +23.4% CS Century Savings Bank +27.8% NM New Millennium Bank +38.6% FB Freedom Bank +39.8% HB Hana Bank USA National Association +127.9% HS Haddon Savings Bank +258.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Haven Savings Bank$987M-0.4%116.0%0.40%0.04%0.8%90.8%8.8%
New Millennium Bank$899M1.3%49.5%0.58%-0.06%1.4%102.8%14.6%
Newfield National Bank$889M0.7%73.5%0.02%0.00%1.3%59.1%7.7%
Bogota Savings Bank$872M0.3%82.2%4.30%0.00%0.4%110.8%15.2%
Freedom Bank$838M0.9%63.1%0.28%0.00%0.6%103.6%9.9%
Hana Bank USA National Association$835M2.8%55.5%0.00%-0.04%0.8%87.5%26.9%
Cenlar FSB$782M-1.3%104.2%0.21%0.00%0.0%45.7%17.8%
First Hope Bank A National Bank Association$657M0.8%78.3%0.00%0.02%1.3%75.5%9.4%
Century Savings Bank$635M0.5%53.3%0.00%-0.01%1.5%68.8%10.1%
Crown Bank$614M2.3%44.9%5.77%0.00%0.9%122.4%26.7%
Crest Savings Bank$594M0.4%81.0%0.01%0.00%0.7%87.5%8.6%
Haddon Savings Bank$421M-0.1%106.8%0.24%-0.02%0.5%75.9%5.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Haven Savings BankCohort median
20212026Change20212026Change
Loans$740M$782M+6%$410M$489M+19%
Deposits$830M$862M+4%$517M$582M+12%
NPA / loans0.62%0.40%-0.22 pts0.34%0.23%-0.11 pts
Efficiency90.9%116.0%+25.0 pts75.8%75.9%+0.1 pts
ROA0.16%-0.36%-0.52 pts0.55%0.60%+0.05 pts

This read was prepared for Haven Savings Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Haven Savings Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NJ banks $300M to $1B
Institution www.havenbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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