Haven Savings Bank
Hoboken, New Jersey · FDIC Cert #30039
Haven Savings Bank is an FDIC-insured bank (Certificate #30039) with $1.1B in total assets and $904M in total deposits as of the Q2 2024 Call Report. Headquartered in Hoboken, New Jersey, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.39%. BankHealthData assigns a composite Health Grade of D (37/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Haven Savings Bank (FDIC cert 30039) is a mid-sized bank with $1.1B in total assets and $904M in deposits, based in Hoboken, New Jersey. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.39% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 14.7% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is negative: ROA of -0.98% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Haven Savings Bank carries a composite BankHealth grade of D (37/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Haven Savings Bank
- Total Assets
- $1.1B
- Total Deposits
- $904M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.39%
- Liquidity Ratio
- 14.69%
- Return on Assets
- -0.98%
- Headquarters
- Hoboken, New Jersey
- FDIC Certificate
- #30039
- Health Grade
- D (37/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Haven Savings Bank holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Haven Savings Bank to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Haven Savings Bank shows some financial weakness with a Health Score of 37/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Haven Savings Bank Compares
Haven Savings Bank’s Health Score of 37 is 35 points below the New Jersey state average of 72 across 48 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.39% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -0.98% is below the national ROA benchmark of ~1.1%. Among 992 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, Haven Savings Bank is 33 points below the portfolio average of 70.
Frequently Asked Questions
Haven Savings Bank has a Bank Health Score of D (37/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Haven Savings Bank's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.39% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Haven Savings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #30039). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Haven Savings Bank holds $1.1B in total assets and $904M in total deposits. It is headquartered in Hoboken, New Jersey (FDIC Certificate #30039).
Haven Savings Bank has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.39%, and the return on assets is -0.98%.
Yes. Haven Savings Bank is FDIC-insured (Certificate #30039). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Haven Savings Bank shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.