Haven Savings Bank: Bank Stress & Real-Estate Credit Exposure

At 93/100, Haven Savings Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #30039. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Read against its 5-county reach, a severe score sets the credit tone for every market on its map. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Because Haven Savings Bank is held under Haven Bcorp Mhc, its financials are open to scrutiny and its trend can be independently checked. DLRadar does not model Haven Savings Bank in isolation: the 198-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 5 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. County by county, that footprint includes Bergen County, NJ, Morris County, NJ, Essex County, NJ, Union County, NJ, among others DLRadar tracks parcel by parcel. What separates this from a plain credit rating is the geographic weighting — Haven Savings Bank's 93/100 reading reflects not just its balance sheet but the 5 counties it lends into, so the score doubles as a map of where its stress will land first. Because Haven Savings Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 93/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. DLRadar maps Haven Savings Bank into 5 counties (198 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in New Jersey (5 counties).

For buyers, lender stress is an early map of supply: when Haven Savings Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.