BlastPoint's Banking Scorecard
Haven Savings Bank
Community
Specialty: Commercial
NJ
FDIC cert 30039
Hoboken, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Haven Savings Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1% in Community
- - Deposit Outflow: Bottom 8% in Community
- - Capital Constraint: Bottom 46% in Community
- - Return on Assets 1.68% below tier
- - Net Interest Margin 2.34% below tier
- - Efficiency Ratio 75.26% above tier
- - Non-Interest-Bearing Deposit Share 12.79% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
-4.3% YoY
-0.1% QoQ
|
-$376.8M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$798.0M
-5.6% YoY
-1.0% QoQ
|
-$177.5M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$876.4M
-3.8% YoY
+0.7% QoQ
|
-$288.2M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
-0.51%
+45.9% YoY
+22.1% QoQ
|
-1.68% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
1.32%
+43.6% YoY
+4.0% QoQ
|
-2.34% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
137.89%
-27.6% YoY
-5.2% QoQ
|
+75.26% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.21%
-69.9% YoY
-29.0% QoQ
|
-0.42% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
91.05%
-1.9% YoY
-1.7% QoQ
|
+7.99% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
8.26%
-19.4% YoY
+8.9% QoQ
|
-12.79% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.16%
-70.3% YoY
-29.6% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
13.20%
+0.8% QoQ
|
+2.95% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.19%
+14.7% YoY
+43.7% QoQ
|
-0.55% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (7)
Liquidity Strain
risk
#3 of 513 · Bottom 1% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.05%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#21 of 248 · Bottom 8% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Capital Constraint
risk
#22 of 47 · Bottom 46% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
91.05%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
13.20%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-0.51%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.32%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
137.89%
(Tier avg: 62.63%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Community
Why this stands out
Current:
8.26%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
69
69th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
67
67th pctile
Loan-to-Deposit Ratio
Current: 91.05% · Tier avg: 83.06%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.20% · Tier avg: 10.24%
57
57th pctile
Total Loans
Current: $798.0M · Tier avg: $975.5M
52
52th pctile
Total Deposits
Current: $876.4M · Tier avg: $1.2B
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
10
10th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.26% · Tier avg: 21.05%
1
1th pctile
Return on Assets
Current: -0.51% · Tier avg: 1.16%
1
1th pctile
Net Interest Margin
Current: 1.32% · Tier avg: 3.66%
0
0th pctile
Efficiency Ratio
Current: 137.89% · Tier avg: 62.63%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 137.89% · Tier avg: 62.63%
1
1th pctile
Net Interest Margin
Current: 1.32% · Tier avg: 3.66%
1
1th pctile
Return on Assets
Current: -0.51% · Tier avg: 1.16%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.26% · Tier avg: 21.05%
10
10th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
52
52th pctile
Total Deposits
Current: $876.4M · Tier avg: $1.2B
57
57th pctile
Total Loans
Current: $798.0M · Tier avg: $975.5M
60
60th pctile
Tier 1 Capital Ratio
Current: 13.20% · Tier avg: 10.24%
67
67th pctile
Loan-to-Deposit Ratio
Current: 91.05% · Tier avg: 83.06%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%