Haven Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Haven Savings Bank is an FDIC-insured savings bank headquartered in Hoboken, NJ, established in 1938 (FDIC certificate 30039), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $986.9M, down 4.3% from Q2 2025, the 24th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 13.24% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30039
- Headquarters
- Hoboken, NJ
- Established
- 1938
- Total assets, Q2 2026
- $986.9M
- Assets vs Q2 2025
- -4.3%
- CET1 ratio, Q2 2026
- 13.24%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 221271058
- Latest call report
- Q2 2026, FFIEC 051 · Haven Savings Bank call report
- Holding company
- HAVEN BANCORP, INC.
- Asset rank in state
- 24th of 49 in New Jersey
Haven Savings Bank spends more to run itself than most banks of its size. Its balance sheet stood at $987 million at June 30, 2026, down 4.3% from a year earlier; it is based in Hoboken, New Jersey. It loses about $0.16 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 101 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $394,000 in the quarter. Unrealized losses on its securities total $14 million, equal to 16% of Tier 1 capital, against 17% a year earlier. Its margin is thin by comparison: it keeps 1.67 cents of net interest income on every dollar of earning assets, about half the median of 3.95 cents for banks its size.
As of June 30, 2026, Haven Savings Bank reported a CET1 capital ratio of 13.24%, a return on assets of -0.16%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 3.36%. The figures come from its call report filed with the FFIEC.
Of the 49 banks headquartered in New Jersey, Haven Savings Bank is the 24th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.8% to $986.9M, loans fell 1.6% and deposits fell 3.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 49.6% of total loans, followed by multifamily loans at 36.3%. The FDIC Summary of Deposits lists 9 offices for it, in 9 cities in NJ; its Hoboken office books 32% of its branch deposits. Judged on its Q2 2026 call report, Haven Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 621 Washington St, Hoboken, NJ 07030
- County
- Hudson
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1938
- Former names
- Haven Savings Bank, SLA (1988-1993)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 95
- Domestic deposits
- $861.5M
- Allowance for credit losses
- $6.4M
- Net charge-offs (YTD)
- $166K
- Average total assets
- $994.1M
- Average total loans
- $785.7M
- Average interest-bearing deposits
- $802.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30039
- Fed RSSD
- 918477
- Website
- www.havenbank.com →
- Parent Holding Company
- HAVEN BANCORP, INC. (RSSD 3948466)
- Ultimate Parent
- HAVEN BANCORP, MHC (RSSD 3948439)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Haven Savings Bank's total assets ranged from $986.9M (Q2 2026) to $1.11B (Q3 2023), and it posted no profit in any of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$986.9M total assets against $1.03B; $899.6M total liabilities against $941.3M.
$775.7M net loans and leases against $825.0M; $861.5M total deposits against $888.7M.
$124.8M securities against $120.6M; $33.4M cash and balances due against $32.7M.
$10.2M total interest income against $10.4M; $6.3M total interest expense against $7.3M.
$4.0M net interest income against $3.0M.
$1.2M total noninterest income against $504K; $5.2M total noninterest expense against $5.1M.
$318K provision for credit losses against $235K.
-$394K net income against -$1.8M.
-0.16% return on assets against -0.71%; 1.67% net interest margin against 1.23%.
13.24% CET1 capital ratio against 12.97%; 8.71% tier 1 leverage ratio against 8.70%.
Inside the full Haven Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Haven Savings Bank rankings
Its closest position to the top of a national ranking is 1,049 of 4,196, for total assets; its furthest is 3,553 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.56% (Q4 2024) to -0.07% (Q4 2025) and its net interest margin ran from 0.92% (Q4 2024) to 1.67% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.24% | -0.16% | 0.40% | 3.36% | 1.67% |
| Q1 2026 | 13.07% | -0.55% | 0.33% | 2.76% | 1.51% |
| Q4 2025 | 13.20% | -0.07% | 0.21% | 1.75% | 1.46% |
| Q3 2025 | 13.09% | -0.41% | 0.29% | 2.47% | 1.44% |
| Q2 2025 | 12.97% | -0.71% | 0.64% | 5.46% | 1.23% |
| Q1 2025 | — | -0.85% | 0.64% | 5.44% | 1.12% |
| Q4 2024 | — | -1.56% | 0.69% | 5.82% | 0.92% |
| Q3 2024 | — | -0.67% | 0.84% | 6.80% | 0.96% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Haven Savings Bank (main office) | Hoboken , NJ | 07030 | $280.0M |
| 1234 Paterson Plank Road Branch | Secaucus , NJ | 07094 | $127.2M |
| Westfield Branch | Westfield , NJ | 07090 | $93.8M |
| Summit Br | Summit , NJ | 07901 | $85.8M |
| Westwood Branch | Westwood , NJ | 07675 | $81.6M |
| Berkeley Heights Branch | Berkeley Heights , NJ | 07922 | $59.4M |
| Madison Branch | Madison , NJ | 07940 | $51.9M |
| Livingston Branch | Livingston , NJ | 07039 | $48.5M |
| Montclair Branch | Montclair , NJ | 07043 | $33.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 9, 2013 | Structure Change | Acquired Hilltop Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 8, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 7, 1994 | Structure Change | Acquired Polifly Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NJ, rank 42 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 29 applications, 19 loans originated, $21.1M originated, across 2 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $750K approved, $750K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Haven Savings Bank
What are Haven Savings Bank's total assets?
As of the Q2 2026 filing, Haven Savings Bank reported total assets of $986.9 million in its FFIEC call report.
Where is Haven Savings Bank headquartered?
It is headquartered in Hoboken, NJ, United States.
When was Haven Savings Bank founded?
It was established in 1938, per the FDIC institution directory.
Is Haven Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30039). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Haven Savings Bank?
Haven Savings Bank's primary federal regulator is the FDIC.
What is Haven Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Haven Savings Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Haven Savings Bank's Texas Ratio?
Its Texas Ratio is 3.36% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Haven Savings Bank previously called?
The charter now named Haven Savings Bank has also operated as Haven Savings Bank, SLA (1988-1993), per FDIC structure-change records.
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