HAVERHILL BANK
HAVERHILL BANK is an FDIC-insured commercial bank headquartered in HAVERHILL, MA, established in 1877. As of , 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 2.71%. CET1 capital ratio: 13.72%, well above regulatory minimums. NPL ratio: 0.16% · Texas Ratio: 1.19%. Operates 7 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Haverhill Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.72% | 1.05% | 0.16% | 1.19% | 2.71% |
| 2025-09-30 | 13.43% | 1.40% | 0.07% | 0.51% | 2.59% |
| 2025-06-30 | 13.41% | 1.46% | 0.07% | 0.53% | 2.47% |
| 2025-03-31 | 13.08% | -0.30% | 0.06% | 0.50% | 2.26% |
| 2024-12-31 | 13.36% | -0.42% | 0.15% | 1.29% | 2.20% |
| 2024-09-30 | 13.68% | 1.02% | 0.08% | 0.60% | 2.13% |
| 2024-06-30 | 13.76% | 0.15% | 0.06% | 0.46% | 2.16% |
| 2024-03-31 | 13.49% | 1.26% | 0.05% | 0.39% | 2.19% |
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Frequently asked about HAVERHILL BANK
What are Haverhill Bank's total assets?
As of the Q4 2025 filing, Haverhill Bank reported total assets of $636.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Haverhill Bank headquartered?
Haverhill Bank is headquartered in HAVERHILL, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Haverhill Bank founded?
Haverhill Bank was established in 1877, per the FDIC institution directory.
Is Haverhill Bank FDIC-insured?
Yes. Haverhill Bank is an FDIC-insured commercial bank (FDIC Certificate #26411). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Haverhill Bank?
Haverhill Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Haverhill Bank's CET1 capital ratio?
Haverhill Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.72% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Haverhill Bank operate?
Haverhill Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Haverhill Bank's Texas Ratio?
Haverhill Bank's Texas Ratio is 1.19% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.