Haven Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Equity capital to total assets edged up by 0.20 percentage points, from 8.65% to 8.85%, the largest move among the key lines here. Haven Savings Bank ranks 25th of 37 New Jersey banks on CET1 ratio, in the lower half at 13.24% (Q2 2026). Haven Savings Bank reported 13.24% on CET1 ratio for Q2 2026, 1.83 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.24% |
| Tier 1 risk-based capital ratio | 13.24% |
| Total risk-based capital ratio | 14.22% |
| Tier 1 leverage ratio | 8.71% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $86.6M |
| Tier 1 capital | $86.6M |
| Total risk-based capital | $93.0M |
| Total equity capital | $87.3M |
| Risk-weighted assets | $654.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.85% |
| Tangible equity to tangible assets | 8.85% |
| Equity capital to average assets | 8.78% |
| Internal capital growth rate | -1.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.5M |
| Common stock surplus | $0 |
| Retained earnings | $82.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $718K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.78% | — |
| Q4 2023 | — | — | — | 9.40% | — |
| Q1 2024 | — | — | — | 9.33% | — |
| Q2 2024 | — | — | — | 9.27% | — |
| Q3 2024 | — | — | — | 9.28% | — |
| Q4 2024 | — | — | — | 8.82% | — |
| Q1 2025 | — | — | — | 8.72% | — |
| Q2 2025 | 12.97% | 12.97% | 13.96% | 8.70% | $690.8M |
| Q3 2025 | 13.09% | 13.09% | 14.11% | 8.69% | $676.2M |
| Q4 2025 | 13.20% | 13.20% | 14.14% | 8.70% | $669.6M |
| Q1 2026 | 13.07% | 13.07% | 14.00% | 8.59% | $665.5M |
| Q2 2026 | 13.24% | 13.24% | 14.22% | 8.71% | $654.0M |
Haven Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Haven Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Haven Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30039) · FFIEC NIC profile (RSSD 918477)