# HADDON SAVINGS BANK
HADDON HEIGHTS, NJ · FDIC certificate 28222 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 8 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $421.4M | |
| Deposits | $351.3M | |
| Loans and leases | $266.5M | |
| Total equity | $24.2M | |
| Loans / deposits | 75.46% (p36 of band) | 82.04% |
| Liquid assets / assets | 31.53% (p68 of band) | |
| Uninsured deposits / deposits | 5.87% (p1 of band) | 25.97% |
| Brokered deposits | 22.04% | |
| Wholesale funding | 32.48% (p98 of band) | |
| FHLB advances / assets | 10.44% | |
| Tier 1 leverage | 8.28% (p3 of band) | 10.81% |
| Unrealized securities loss / equity | -61.03% (p3 of band) | -8.10% |
| AOCI / equity | -1.44% (p14 of band) | |
| ROA (annualized) | -0.10% (p3 of band) | 1.28% |
| Net interest margin | 1.76% (p1 of band) | 3.91% |
| Efficiency ratio | 106.82% (p98 of band) | |
| Noncurrent loans | 0.24% (p36 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p6 of band) | |
| Reserve coverage of noncurrent | 221.88% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 113.33% (p90 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.3% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | expense ratio p90 |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 4 | capital falling |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 3 |  | capital falling |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 5 | wholesale funding >15%, capital falling |  |
| 2015-09 | 4 |  | expense ratio p90 |
| 2015-12 | 3 |  | capital falling |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | wholesale funding >15% |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | wholesale funding >15% |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 | brokered >10% | reserve under noncurrent |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | reserve under noncurrent |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 2 |  | brokered >10%, reserve under noncurrent |
| 2020-06 | 3 | reserve under noncurrent |  |
| 2020-09 | 6 | brokered >10%, capital falling, expense ratio p90 |  |
| 2020-12 | 5 |  | capital falling |
| 2021-03 | 4 |  | expense ratio p90 |
| 2021-06 | 5 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2021-09 | 4 |  | capital falling |
| 2021-12 | 3 |  | charge-offs p90 |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 6 | assets shrinking |  |
| 2023-03 | 7 | charge-offs p90, deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 8 | expense ratio p90, uninsured deposits leaving | charge-offs p90 |
| 2023-09 | 8 | reserve under noncurrent | assets shrinking |
| 2023-12 | 9 | losing money |  |
| 2024-03 | 6 |  | deposits shrinking, uninsured deposits leaving, reserve under noncurrent |
| 2024-06 | 8 | capital falling, reserve under noncurrent |  |
| 2024-09 | 7 |  | reserve under noncurrent |
| 2024-12 | 7 |  |  |
| 2025-03 | 8 | reserve under noncurrent |  |
| 2025-06 | 8 | construction >100% equity | reserve under noncurrent |
| 2025-09 | 7 |  | construction >100% equity |
| 2025-12 | 8 | construction >100% equity |  |
| 2026-03 | 7 |  | construction >100% equity |
| 2026-06 | 8 | construction >100% equity |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-05-20 [NJBankers announces Columbia Bank’s Kemly as 2019-2020 chair - NJBIZ](https://news.google.com/rss/articles/CBMigAFBVV95cUxQaDJJN2J6RzFQMkw5TkRTRXdKTTk3dVBfeXU2a1VpZjFMY2FaNEE1TTJTbnlfRDBJWFlQdWtqcTVoUjRvMjdfYlJ1UGZwTnZuNXd3a0hwRE8ybDhrejNpXzJqTTFvU1VzODltaHVTWnBrblZJeXgwOHVBa1Yxa0FUQg?oc=5) · NJBIZ
- 2019-05-21 [Kemly named chairman of NJ Bankers for 2019-20 - ROI-NJ](https://news.google.com/rss/articles/CBMikwFBVV95cUxQVnBTUG5PTWkzcFNZLW9rZTBFQko4cVFxbG4ybDBfVWw1R25wd0JzVGQyR05Ja3pwRkh0SzE5LUlRR3VxMWJjWHQ0Y3YxeUFtUVExeXBBU0ktclI0azcxQkVTZTNDZThkcFlEOG96QkJXVFhXczFrZm5nbGhSellySnRFNEJBNk5xZk1oM0dRYm5FajA?oc=5) · ROI-NJ
- 2024-09-20 [Rosemarie A. Young Obituary (2024) - Haddon Heights, NJ - Healey Funeral Home - Haddon Heights - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxNLW9DWng4bWxvU2x2MXpQcnlwVGR6VXUtcWZ0UjlMZ28yMEhNSmZLanh4NWxfZ3RDTmU0UkVlNnRHWm43UUQ2UDh4VHcxbkVxQmZiN2Q2NzY2ZGF1akNWRXJQbERUWE9IaWxwY3hkWUp0ZzVfODFPMFFtS0lsVlYtNUc4aVo?oc=5) · Legacy obituary
- 2023-07-04 [Richard S. "Ping" Sheldon Obituary (2023) - Haddon Heights, NJ - Healey Funeral Home - Haddon Heights - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxNd3ZlakVjNUpYcUI2UG1DMUpySjBpR0tqcnd2RTRiWnVEZzNpalg3S0JzbTZGUWVTX2kzNkNnQWlCeWNqVk5QTUl5OUtkYnE5NWMycTBwNnVBVHJUbDc2VTBMVjVWanRKVWprWjVmYkt4X0EwR1dYWHhZQkthY0RmT2w0ZEs?oc=5) · Legacy obituary
- 2017-02-07 [Dawn Burton Obituary (2017) - West Berlin, NJ - Courier Post - Legacy obituary](https://news.google.com/rss/articles/CBMilwFBVV95cUxQdkZOUXFjNG5USk9SbFZFM0l3ejc4eGtvX3JqZHE5SWhKSlR6ZkdscUZBZk51N3lEdDM2eGJPYjcyRlBtbUt0dGpDd2p1WUp2NmNnSVJMTmhXMDFISVlVRmM4alNRdEFKWVBNOU8tU3YxWk5ON1BkN0EwUWlhaTlCUGlleXN6VWxaX1F5dGRET3UzWWQwVmhv?oc=5) · Legacy obituary
- 2023-11-16 [Stanley A. Smith - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxPejROZzNEUXg0ck5uYzQ5ZkVuOWJlcjhwdW16VFNQMU5PZG9BY183X0dfX2dDWHNEVzc1QTZYQW1WU2VyZ0oxbFk3QVhQU2k4ZHg4dGFLLU5oWHdqZDEwbFlRWnlLbUpPWkhKd2pmVDNqSnNnM3d0bTFpZGlYdUtybzRvUUF4OFRaTkJ2MFFZZTM?oc=5) · Legacy obituary
- 2019-10-24 [Barbara Mattison Obituary (2019) - Flagstaff, AZ - Arizona Daily Sun - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxNaDZRT3puWm9CbWFqVDhZLU1IbHhscDlNYUlfR0FXUnNJNVVKNHAxVndrWWJ5NzY0RjY5c19POFdwekFoNzU1ZS1nMXp0eHpCRnNCOHZNY2dlSmFIaHVYVzc3NmJyTlF1OTJwZFMxdWVEeGZPT1lNNlJYZlVRZHNMYnhDSFY5MGxMVUEwbkRDdlVIMXFi?oc=5) · Legacy obituary
- 2000-09-13 [Marshel Gifford Obituary (2000) - Cherry Hill, NJ - Courier Post - Legacy obituary](https://news.google.com/rss/articles/CBMinAFBVV95cUxPcllJVTNjZDJpR1U1c0UwWFV2NmFDdGJreUxtSVp6NUNsb3dmUC1saHBFamgxZDVFcHQ4RXU2bEtwQUJRVnhueTNzWGVYY2FhWWI2OFF2ck15RGVYUlBNeERCS0FTcDd4dl9Sc3hUZVlQQ2xkbFE0N1ZtV212VURxWjMwSlBGUVVXenJ5NlFVdUg4UksxTk0zX1NFNzQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28222 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/62.json (key "28222", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide