Total Assets
$1.0B
Total balance-sheet footings
FDIC Cert #30039 · Hoboken, New Jersey · Est. 1938
Haven 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.
- $1.0B
- Total assets
- C
- Health grade · Fair
- -0.51%
- Return on assets
- 13.2%
- Tier 1 capital
Data updated July 2026
The verdict
Haven Savings Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 13.20% Tier 1, -0.51% ROA, 138% efficiency ratio.
- #1,029
- largest of 4,313 FDIC banks by assets
- 76th
- percentile by asset size, nationally
- 13.20%
- Tier 1 ratio - above the 10% well-capitalized line
- 3rd
- 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 Haven 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.
Haven Savings Bank's composite health score
Tier 1 Capital Ratio (13.20%) 35/40
Return on Assets (ROA) (-0.51%) 0/25
Texas Ratio (1.75%) 20/20
Efficiency Ratio (137.89%) 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
$876M
Customer-funded liabilities
Net Loans
$798M
Outstanding loan book
Net Income
$-5,277K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Haven Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Haven Savings Bank's score of 55/100 falls in the highlighted band.
Haven 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). Haven Savings Bank's $1.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.20% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.20%
Texas Ratio
1.75%
Equity Capital
$89M
Profitability metrics
Return on Assets (ROA)
3rd percentile nationally
-0.51%
Return on Equity (ROE)
-5.80%
Efficiency Ratio
137.89%
What the numbers say about Haven Savings Bank
Haven Savings Bank is an FDIC-insured institution (Certificate #30039) headquartered in Hoboken, New Jersey, established in 1938. It holds $1.0B in total assets - 1,029th of 4,313 FDIC-insured banks, $876M in customer deposits, and $798M in net loans. Looking at capital strength, Tier 1 stands at 13.20%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.75%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (55/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within New Jersey, Haven Savings Bank ranks 25th of 51 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$42M
Interest Income
$2M
Non-Interest Income
$20M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Haven Savings Bank reports a Texas Ratio of 1.75% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.75% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Haven Savings Bank
Haven Savings Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-5,277K 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 Haven 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) Haven Savings Bank (FDIC Cert #30039) - 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 Haven Savings Bank's health grade?▼
Haven 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 Haven Savings Bank?▼
Haven Savings Bank holds $1.0B in total assets and $876M in deposits, ranking 1,029th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hoboken, New Jersey.
Is my money safe at Haven Savings Bank?▼
Yes, deposits at Haven Savings Bank (Certificate #30039) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Haven Savings Bank's Tier 1 Capital Ratio?▼
Haven Savings Bank has a Tier 1 Capital Ratio of 13.20%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Haven Savings Bank?▼
Haven Savings Bank has a Texas Ratio of 1.75%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Haven Savings Bank?▼
Haven Savings Bank has an Efficiency Ratio of 137.89%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Haven Savings Bank's profile as a depositor or analyst.
- Haven Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Haven 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.