# HAVEN SAVINGS BANK
HOBOKEN, NJ · FDIC certificate 30039 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $986.9M | |
| Deposits | $861.5M | |
| Loans and leases | $782.1M | |
| Total equity | $87.3M | |
| Loans / deposits | 90.03% (p71 of band) | 82.04% |
| Liquid assets / assets | 16.03% (p19 of band) | |
| Uninsured deposits / deposits | 20.75% (p32 of band) | 25.97% |
| Brokered deposits | 8.14% | |
| Wholesale funding | 10.94% (p80 of band) | |
| FHLB advances / assets | 2.74% | |
| Tier 1 leverage | 8.71% (p8 of band) | 10.81% |
| Unrealized securities loss / equity | -15.61% (p30 of band) | -8.10% |
| AOCI / equity | -0.30% (p53 of band) | |
| ROA (annualized) | -0.35% (p2 of band) | 1.28% |
| Net interest margin | 1.61% (p0 of band) | 3.91% |
| Efficiency ratio | 115.98% (p99 of band) | |
| Noncurrent loans | 0.40% (p48 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p72 of band) | |
| Reserve coverage of noncurrent | 204.58% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 17.63% (p22 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 | -3.0% | |
| Employees | 95 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | loans exceed deposits |  |
| 2013-12 | 2 | capital falling | loans exceed deposits |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | loans exceed deposits |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | expense ratio p90 |  |
| 2018-06 | 3 |  | reserve under noncurrent |
| 2018-09 | 4 | wholesale funding >15%, reserve under noncurrent | capital falling |
| 2018-12 | 4 |  |  |
| 2019-03 | 5 | capital falling, NIM <2.5% | reserve under noncurrent |
| 2019-06 | 6 | reserve under noncurrent |  |
| 2019-09 | 5 |  | capital falling |
| 2019-12 | 5 |  |  |
| 2020-03 | 5 | losing money | wholesale funding >15% |
| 2020-06 | 5 | capital falling | loans exceed deposits |
| 2020-09 | 4 |  | capital falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 2 |  | reserve under noncurrent, losing money |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | NIM <2.5% |
| 2022-03 | 0 |  | expense ratio p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | capital falling, expense ratio p90 |  |
| 2022-12 | 3 | loans exceed deposits |  |
| 2023-03 | 6 | wholesale funding >15%, losing money, NIM <2.5% |  |
| 2023-06 | 6 |  |  |
| 2023-09 | 4 |  | capital falling, loans exceed deposits |
| 2023-12 | 4 |  |  |
| 2024-03 | 6 | brokered >10%, capital falling |  |
| 2024-06 | 4 |  | wholesale funding >15%, brokered >10% |
| 2024-09 | 4 | reserve under noncurrent | capital falling |
| 2024-12 | 3 |  | reserve under noncurrent |
| 2025-03 | 4 | capital falling |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 |  | capital falling |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

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

- 2026-03-18 [Haven Savings Bank president and CEO Franconeri elected to NJBankers board - ROI-NJ](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQMGVRbTNUYzBVaHg4ZUlZQVJPMGMyTXJVa1NrTE1Dc0ZzbnFzd19lOHd4ZUhzY2ZDTzNSMGktTk1nd24wT1Ixa1Y0YklMRXZvNUg0eUVpQ3loa0RhVTZENlZBWkFyLXRDZzlhNXc2WnlsejJIOWxNa2dNa1llWGtMUTd0ZEhHb0tYS0NXN2ZaRXJrbEVXM2RQUWFJT3Y0bTVhd2F5cGZsSG9qX0dDeDlkUjRoeURCQnVl?oc=5) · ROI-NJ
- 2024-06-06 [Haven bank sets 2025 leadership change, promotes new CEO, COO - NJBIZ](https://news.google.com/rss/articles/CBMihAFBVV95cUxOZFo0cXN3MHVfdWFQZXBlMlcxSGhraGRuOWVjRmQ2YmV4SHNIZmEwMWZjb1dQbnBXNUw5a3JvUUY2Yks2NzRkRWs3QXBITTAxNHhEbFFhN05SamNvRG1NT3o3MXluQzc5QlRxRVFqNTQyZThZRTBkN094Z1hPaHVHcVJrQ2c?oc=5) · NJBIZ
- 2013-06-05 [Hoboken's Haven Savings Bank to buy Hilltop Community Bank in $27m merger - NJ.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFB2WlBid1VUTlpSMkdFYkZiVU9ZSUxSazJuMEpoZ240N0VZSlBMQlZSSmhpd2VuZ0RLblk1V3ZXRWVRMTVteUliQWItSUpxdW90N0p0bjFUQ3lCd1lfcm04c2xTR1RmLWViR1Q1THhNQlFtbmExMkp5VDRvNA?oc=5) · NJ.com
- 2020-05-13 [Which Banks Are Open During the Pandemic? All Your Bank-Related FAQs, Answered - Hoboken Girl](https://news.google.com/rss/articles/CBMiigFBVV95cUxPazFiNkU5UlMxLUZlSml2eHJGRzQxNDVBc1BtX0hZRGdVVFlKQThabndVWVkxTGpyQzUxeE45dkJ3SVJFd1NWN0JDSEx2SUJqTU1ISjJvVmNocHBSWVhsVWpubnVoOXZMZ3EzbHZ2S3BwWWJEeXlEOVNoSjBBUTJQSlhMM0RrcG1PNVE?oc=5) · Hoboken Girl
- 2025-06-11 [Haven Savings Bank appoints Franconeri as board director - ROI-NJ](https://news.google.com/rss/articles/CBMioAFBVV95cUxNeEFOaHN5WDI5eXg1VXI4YmlsVU9nT2oxeWg0Z3BrNjRzOHJzUXIzdUFYZ1Bla1g5Tm41bnFwQTB6cF84aV96aE00SUJFRUhrRlpiVDZmMEJzRUYxNy1IRlJRc0hvYTRMXy1rWEJTVWQ4RkhnXzNMUHpRZDU4bEJUc0JmOGtUUFU2Umx3SVdQQXBSeW1teGRVMjB3eWwzcEgw?oc=5) · ROI-NJ
- 2023-05-07 [Charles Biondi Obituary - Williamsburg, VA - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxOMGE5ZS02b0V4blNYWnd0ZUJucTdqbDFtYW9BUEVjUnFfTld2UFV1VEJVeDh1MzVSYU1RREFIdFpWdGVzRWo0MlhST21hb1FnOFZrSlcwbk5QWkYyRWhWTE0xUGRpMm93bVhfVDB6WjZ1ZlYwbFRZc1JwajhGa0FJcE9peEdkcXlBcmc?oc=5) · Dignity Memorial
- 2024-06-11 [PSE&G, Harrison First Responders conduct gas emergency exercise; Haven Savings Bank names new CEO and COO | Business Notes - nj.com - NJ.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE51R2kwdXB5UWx6Z0MxbUg3WjlTUXlpTk9NREtuV0lqRU96T0ZNOWZLWVhxY0Y0SVlOZ0h1aEpuTzRZNGJDMDVFakFVWmoyOWlmTnc0QlJ3X2Uyc2JzSG5XR1MwWGY2QWc?oc=5) · NJ.com
- 1974-10-24 [3 Black Militants Are Guilty In New Haven Bank Case (Published 1974) - The New York Times](https://news.google.com/rss/articles/CBMiogFBVV95cUxNMTc3clpSZEpfdGdCU2IyVmFqZ3l2bk43SmRZZ3pxYTlkMDFRbl92Z2ROYThocjJaaEM3Qk1sUUNJY1Q0eWlScnNPZVlUNVJ4dFd0WUxNamR5alA0M013TkJ2aWJyS0RocGhpWjV4TlpHU0Z5d1VTWEw4YmUtMktIc2FVcjNHZm1vNFpWZ0swMExKUGRzenhDc1Q4SXFGWWNDYkE?oc=5) · The New York Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30039 (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/23.json (key "30039", 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