Haven Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 9.70 percentage points in Q2 2026, from 407.91% to 398.20%. 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). Haven Savings Bank reported 90.78% on loan-to-deposit ratio for Q2 2026, 9.94 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $782.1M |
| Net loans and leases | $775.7M |
| Loans held for sale | $0 |
| Loans to total assets | 79.25% |
| Loan-to-deposit ratio | 90.78% |
| Net loans to equity capital | 8.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.06% |
| Multifamily (5+ residential) | 36.31% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 398.20% |
| Construction concentration (Tier 1 capital + allowance) | 16.55% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.62% |
| Interest income on loans | $9.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $893.6M | $901.0M | 14.07% | 0.00% | 0.00% |
| Q4 2023 | $878.9M | $902.0M | 13.96% | 0.00% | 0.00% |
| Q1 2024 | $863.4M | $916.4M | 14.11% | 0.00% | 0.00% |
| Q2 2024 | $859.9M | $904.2M | 14.06% | 0.00% | 0.00% |
| Q3 2024 | $854.7M | $897.8M | 14.06% | 0.00% | 0.00% |
| Q4 2024 | $851.5M | $910.7M | 13.56% | 0.00% | 0.00% |
| Q1 2025 | $838.3M | $902.5M | 13.55% | 0.00% | 0.00% |
| Q2 2025 | $831.8M | $888.7M | 12.91% | 0.00% | 0.00% |
| Q3 2025 | $812.8M | $870.5M | 12.97% | 0.00% | 0.00% |
| Q4 2025 | $804.3M | $876.4M | 12.73% | 0.00% | 0.00% |
| Q1 2026 | $794.5M | $888.4M | 12.69% | 0.00% | 0.00% |
| Q2 2026 | $782.1M | $861.5M | 12.06% | 0.00% | 0.00% |
Haven Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Haven Savings Bank, freeSource: Call Report Schedule RC-C, 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)