Haven Savings Bank: how it compares with its peers
Against 16 NJ banks with half to twice its assets, Haven Savings Bank's strongest measure in Q2 2026 is assets per employee ($10.4M vs. a $10.6M peer median). Its weakest relative measure is efficiency ratio (115.98% vs. 67.59%).
| Measure | Haven Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.35% | 0.74% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.61% | 3.17% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 115.98% | 67.59% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.4M | $10.6M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.03% | 92.17% | Context |
What it means for lending operations
Its efficiency ratio of 115.98% is above the 67.59% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Magyar Bank New Brunswick, NJ · $1.05B
- New Millennium Bank Fort Lee, NJ · $899M
- Newfield National Bank Newfield, NJ · $889M
- Bogota Savings Bank Teaneck, NJ · $872M
- Freedom Bank Maywood, NJ · $838M
- Hana Bank USA, National Association Fort Lee, NJ · $835M
Questions about Haven Savings Bank
How big is Haven Savings Bank?
Haven Savings Bank, established in 1938, is headquartered in Hoboken, NJ. It reported $987M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Haven Savings Bank's return on assets?
-0.35% annualized in Q2 2026, against a 0.74% median for 16 NJ banks with half to twice its assets, ahead of 19% of them.
What is Haven Savings Bank's efficiency ratio?
115.98% in Q2 2026: it spent about 116 cents in noninterest expense for each dollar of revenue. The peer median is 67.59%, and lower is better.
Is Haven Savings Bank growing its loans?
Net loans shrank 6.0% over the year to Q2 2026, while deposits shrank 3.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NJ banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Jersey bank ranked.