FDIC certificate 30039
Haven Savings Bank
Hoboken, New Jersey · 621 Washington St 07030
Hunter Score
This bank ranks below the middle of its size group.
Down 2 points from last quarter.
Compared with 1,424 banks with $300 million to $1 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
Haven Savings Bank has a Hunter Score of 11 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks below the middle of its size group. The comparison is with banks with $300 million to $1 billion in assets.
The FDIC reported noncurrent loans of 0.40% (field NCLNLSR). Among banks with $300 million to $1 billion in assets, the peer rank for this measure is 52 out of 100. A rank of 50 is typical.
The FDIC reported net interest margin of 1.61% (field NIMY). Among banks with $300 million to $1 billion in assets, the peer rank for this measure is 0 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
- Commercial real estate loans are at least 300% of capitalConstruction loans, multifamily loans, and other nonfarm nonresidential loans (not the owner-occupied ones) totaled $370,424,000, which is 398% of total risk-based capital. The 2006 supervisory guidance uses 300% as a level to look at more closely. From 2023-06-30 to this quarter, the same loan group was down 3%. That is below the 50% growth the guidance also mentions.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in New Jersey with $300 million to $1 billion in assets, ordered by Hunter Score.
- Hana Bank USA, National Association63out of 100
- Crown Bank61out of 100
- Century Savings Bank46out of 100
- New Millennium Bank46out of 100
- First Hope Bank, A National Banking Association43out of 100
Top Hunter Scores in New Jersey · Top scores with $300 million to $1 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
-4.03%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 2 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
-0.35%
Profit for each dollar of assets. Higher is stronger.
Peer rank 2 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
1.61%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 0 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
115.98%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 1 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.40%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 52 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202611 out of 100
- Q1 2026, ending March 31, 202613 out of 100
- Q4 2025, ending December 31, 202515 out of 100
- Q3 2025, ending September 30, 202514 out of 100
- Q2 2025, ending June 30, 20258 out of 100
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About this bank
- Total assets
- $986.9 million
- Deposits
- $861.5 million
- Equity
- $87.3 million
- Tangible equity
- $87.3 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 9
- Charter
- Charter class SI
- Specialty
- Commercial Lending Specialization
- Community bank
- Yes, by the FDIC definition
- Net income
- -$1.8 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: Haven Bcorp MHC, Hoboken, NJ. Federal Reserve RSSD 3948439.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
621 Washington St, Hoboken, NJ 07030
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.