HAVERHILL BANK

HAVERHILL, MA | Medium | Est. Jan. 1, 1877, midnight | FDIC #26411 | RSSD #109574 | FDIC
Latest Report: 2025-12-31

HAVERHILL BANK is amn medium FDIC-insured commercial bank headquartered in HAVERHILL, MA, established in Jan. 1, 1877, midnight. As of 2025-12-31, the bank reported total assets of $636M and total deposits of $520M. Profitability stands at 1.05% ROA and 11.30% ROE, with a net interest margin of 2.72%. The bank's CET1 capital ratio is 13.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 1.19%. FDIC Certificate #26411.

Assets

$636M

Deposits

$520M

Loans

$474M

Equity

$60M

Profitability

Return on Assets (ROA) 1.05%
Return on Equity (ROE) 11.30%
Net Interest Margin (NIM) 2.72%
Yield on Assets 4.99%
Cost of Funds 2.33%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.19%
NPA Ratio 0.12%
ACL / Loans 0.79%

Capital & Liquidity

CET1 Ratio 13.72%
Tier 1 Capital 13.72%
Total Capital Ratio 14.55%
Leverage Ratio 10.41%
Loan-to-Deposit 91.05%

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