Bank Comparison
Haven Savings Bank vs Keystone Bank, SSB
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 15
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Haven Savings Bank | Keystone Bank, SSB |
|---|---|---|
| CET1 Ratio | 13.07% | 11.97% |
| Tier 1 Capital Ratio | 13.07% | 11.97% |
| Total Capital Ratio | 14.00% | 12.96% |
| Tier 1 Leverage Ratio | 8.59% | 9.41% |
| Equity / Assets | 8.65% | 10.19% |
Profitability
| Metric | Haven Savings Bank | Keystone Bank, SSB |
|---|---|---|
| Return on Assets (ROA) | -0.55% | -0.09% |
| Return on Equity (ROE) | -6.24% | -0.94% |
| Net Interest Margin (NIM) | 1.51% | 3.54% |
| Yield on Earning Assets | 4.17% | 6.29% |
| Cost of Funds | 2.81% | 3.12% |
Asset quality
| Metric | Haven Savings Bank | Keystone Bank, SSB |
|---|---|---|
| Texas Ratio | 2.76% | 0.99% |
| Non-Performing Loan Ratio | 0.33% | 0.13% |
| Non-Performing Asset Ratio | 0.26% | 0.10% |
| Net Charge-Off Ratio | 0.06% | 2.35% |
| ACL / Loans | 0.78% | 0.96% |
Balance sheet
| Metric | Haven Savings Bank | Keystone Bank, SSB |
|---|---|---|
| Total Assets | $1,015M | $1,018M |
| Total Deposits | $888,404K | $864,854K |
| Total Loans | $794,512K | $814,886K |
| Total Equity | $87,819K | $103,749K |
| Net Income (quarter) | $-1,381 | $-245 |
Liquidity & funding
| Metric | Haven Savings Bank | Keystone Bank, SSB |
|---|---|---|
| Loan-to-Deposit Ratio | 89.43% | 94.22% |
| Core Deposit Ratio | 84.80% | 91.68% |
| Uninsured Deposit Ratio | 20.99% | — |
Identity
| Metric | Haven Savings Bank | Keystone Bank, SSB |
|---|---|---|
| Headquarters City | HOBOKEN | Austin |
| Headquarters State | NJ | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 9 | 3 |
| Employees (FTE) | 94 | 92 |
| Established | Jan. 1, 1938, midnight | April 1, 1997, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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