Total Assets
$407M
Total balance-sheet footings
FDIC Cert #28222 · Haddon Heights, New Jersey · Est. 1905
Haddon Savings Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $407M
- Total assets
- C
- Health grade · Fair
- -0.21%
- Return on assets
- 13.6%
- Tier 1 capital
Data updated July 2026
The verdict
Haddon Savings Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 13.59% Tier 1, -0.21% ROA, 114% efficiency ratio.
- #2,063
- largest of 4,313 FDIC banks by assets
- 52nd
- percentile by asset size, nationally
- 13.59%
- Tier 1 ratio - above the 10% well-capitalized line
- 4th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Haddon Savings Bank's 55/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Haddon Savings Bank's composite health score
Tier 1 Capital Ratio (13.59%) 35/40
Return on Assets (ROA) (-0.21%) 0/25
Texas Ratio (1.78%) 20/20
Efficiency Ratio (113.81%) 0/15
55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$350M
Customer-funded liabilities
Net Loans
$252M
Outstanding loan book
Net Income
$-841K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Haddon Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Haddon Savings Bank's score of 55/100 falls in the highlighted band.
Haddon Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Haddon Savings Bank's $407M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.59%
Texas Ratio
1.78%
Equity Capital
$25M
Profitability metrics
Return on Assets (ROA)
4th percentile nationally
-0.21%
Return on Equity (ROE)
-3.70%
Efficiency Ratio
113.81%
What the numbers say about Haddon Savings Bank
Haddon Savings Bank is an FDIC-insured institution (Certificate #28222) headquartered in Haddon Heights, New Jersey, established in 1905. It holds $407M in total assets - 2,063rd of 4,313 FDIC-insured banks, $350M in customer deposits, and $252M in net loans. Capital-wise, the Tier 1 ratio sits at 13.59%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.78%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (55 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Haddon Savings Bank sits 38th of 51 banks headquartered in New Jersey by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$17M
Interest Income
$606K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Haddon Savings Bank reports a Texas Ratio of 1.78% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.78% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Haddon Savings Bank
Haddon Savings Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-841K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Haddon Savings Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in New Jersey by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Haddon Savings Bank (FDIC Cert #28222) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Valley National BankPassaic | $64.1B | B | 0.99% |
| Provident BankJersey City | $24.9B | A | 1.28% |
| OceanFirst Bank, National AssociationToms River | $14.5B | B | 0.61% |
| ConnectOne BankEnglewood Cliffs | $14.0B | A | 0.77% |
| Columbia BankFair Lawn | $11.0B | B | 0.48% |
| Cross River BankFort Lee | $8.1B | C | 0.29% |
| Kearny BankKearny | $7.6B | C | 0.43% |
| Peapack Private Bank & TrustBedminster | $7.5B | C | 0.57% |
Frequently asked questions
What is Haddon Savings Bank's health grade?▼
Haddon Savings Bank receives a health grade of C (55/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Haddon Savings Bank?▼
Haddon Savings Bank holds $407M in total assets and $350M in deposits, ranking 2,063rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Haddon Heights, New Jersey.
Is my money safe at Haddon Savings Bank?▼
Yes, deposits at Haddon Savings Bank (Certificate #28222) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Haddon Savings Bank's Tier 1 Capital Ratio?▼
Haddon Savings Bank has a Tier 1 Capital Ratio of 13.59%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Haddon Savings Bank?▼
Haddon Savings Bank has a Texas Ratio of 1.78%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Haddon Savings Bank?▼
Haddon Savings Bank has an Efficiency Ratio of 113.81%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Haddon Savings Bank's profile as a depositor or analyst.
- Haddon Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Haddon Savings Bank against other New Jersey banks before moving funds. New Jersey banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.