Haven Savings Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.16 percentage points to 1.67%. Haven Savings Bank has the 3rd lowest net interest margin of the 49 banks headquartered in New Jersey, at 1.67% as of Q2 2026. Haven Savings Bank's net interest margin of 1.67% is well below the 3.95% median for banks in the $100M-1B asset tier, a gap of 2.28 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.32% |
| Yield on loans | 4.62% |
| Yield on securities | 2.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.79% |
| Cost of interest-bearing deposits | 2.98% |
| Cost of interest-bearing liabilities | 3.01% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.67% |
| Yield to cost spread | 1.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.1M |
| Total interest expense | $6.3M |
| Interest expense on deposits | $6.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.95% | 2.99% | 1.21% | 4.16% | 1.90% |
| Q4 2023 | 4.02% | 3.39% | 0.97% | 4.19% | 1.97% |
| Q1 2024 | 4.11% | 3.39% | 0.92% | 4.33% | 1.98% |
| Q2 2024 | 4.20% | 3.56% | 0.86% | 4.41% | 1.97% |
| Q3 2024 | 4.35% | 3.60% | 0.96% | 4.63% | 1.98% |
| Q4 2024 | 4.24% | 3.53% | 0.92% | 4.48% | 1.94% |
| Q1 2025 | 4.22% | 3.28% | 1.12% | 4.51% | 1.95% |
| Q2 2025 | 4.21% | 3.18% | 1.23% | 4.49% | 2.08% |
| Q3 2025 | 4.43% | 3.17% | 1.44% | 4.75% | 2.12% |
| Q4 2025 | 4.29% | 3.01% | 1.46% | 4.60% | 2.12% |
| Q1 2026 | 4.17% | 2.81% | 1.51% | 4.51% | 2.09% |
| Q2 2026 | 4.32% | 2.79% | 1.67% | 4.62% | 2.27% |
Haven Savings Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Haven Savings Bank, freeSource: Call Report Schedules RI and RC-K, 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)