Haven Savings Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 2.09 percentage points in Q2 2026, from 105.46% to 107.55%. It was the largest change from Q1 2026 among the key lines here. Haven Savings Bank ranks 27th of 49 New Jersey banks on loan-to-deposit ratio, in the lower half at 90.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Haven Savings Bank sits 9.94 points higher, at 90.78% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $158.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $592K |
| Other borrowed money | $27.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.78% |
| Net loans and leases to deposits | 90.03% |
| Loans and leases to core deposits | 107.55% |
| Core deposits to total deposits | 75.08% |
| Brokered deposits to total deposits | 9.33% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 99.19% | 74.48% | $1.1M | $85.0M |
| Q4 2023 | 97.44% | 74.40% | $1.1M | $67.0M |
| Q1 2024 | 94.22% | 73.95% | $1.0M | $55.0M |
| Q2 2024 | 95.10% | 74.33% | $1.0M | $50.0M |
| Q3 2024 | 95.21% | 73.99% | $540K | $50.0M |
| Q4 2024 | 93.50% | 74.34% | $460K | $42.0M |
| Q1 2025 | 92.88% | 74.72% | $514K | $27.0M |
| Q2 2025 | 93.60% | 74.29% | $612K | $38.0M |
| Q3 2025 | 93.38% | 73.85% | $765K | $42.0M |
| Q4 2025 | 91.77% | 74.56% | $895K | $36.0M |
| Q1 2026 | 89.43% | 75.18% | $839K | $25.0M |
| Q2 2026 | 90.78% | 75.08% | $592K | $27.0M |
Haven Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Haven Savings Bank, freeSource: Call Report Schedules RC and RC-M, 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)