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Haverhill Bank

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Haverhill, MA $100M to $1B in assets Est. January 1, 1877 FDIC #26411 RSSD #109574 Routing #211370053 FDIC

Data as of · sourced from FFIEC call reports. How we update

Haverhill Bank is an FDIC-insured savings bank headquartered in Haverhill, MA, established in 1877 (FDIC certificate 26411), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $636.8M, up 2.6% from Q2 2025, the 64th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 14.13% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.

Charter
Savings bank
Regulator
FDIC
Deposit insurance
FDIC
FDIC certificate
26411
Headquarters
Haverhill, MA
Established
1877
Total assets, Q2 2026
$636.8M
Assets vs Q2 2025
+2.6%
CET1 ratio, Q2 2026
14.13%
Domestic offices
7 FDIC institution directory, current count
Routing number
211370053
Holding company
HB HOLDINGS MHC
Asset rank in state
64th of 89 in Massachusetts
Assets
$636.8M
Deposits
$507.6M
Loans
$469.3M
Equity
$64.7M

Haverhill Bank, based in Haverhill, Massachusetts, reported $637 million in assets at June 30, 2026, up 2.6% from a year earlier. It keeps 2.67 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also lost 1.0% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).

Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $5.0 million on paper in the quarter, out of $5.8 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. Funding is the softer spot: it pays an average of 2.27% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).

As of June 30, 2026, Haverhill Bank reported a CET1 capital ratio of 14.13%, a return on assets of 2.82%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 0.97%. The figures come from its call report filed with the FFIEC.

Of the 89 banks headquartered in Massachusetts, Haverhill Bank is the 64th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $636.8M, loans fell 1.7% and deposits fell 1.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 59.1% of total loans, followed by construction and land development loans at 13.2%. Its 7 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Haverhill 4 offices book 77% of its branch deposits. By the capital ratios in its Q2 2026 call report, Haverhill Bank meets every capital ratio test for well capitalized.

Headquarters Profile

Address
180 Merrimack St, Haverhill, MA 01830
County
Essex
Metro Area
Boston-Cambridge-Newton, MA-NH
Charter
State-chartered stock savings bank, FDIC-supervised
Primary Regulator
FDIC
FDIC Region
New York (Region 2)
Federal Reserve member
—
Federal Reserve district
District 1, Boston
Fiduciary (trust) powers
Full trust powers granted
Call Report form
FFIEC 051
Established
January 1, 1877
Domestic offices
7 FDIC institution directory, current count
Employees (FTE)
66
Domestic deposits
$507.6M
Allowance for credit losses
$3.8M
Net charge-offs (YTD)
-$7K
Average total assets
$649.3M
Average total loans
$473.8M
Average interest-bearing deposits
$401.7M
Tax status
C corporation
Ownership
Stock
Community bank
Yes
FDIC-insured since
October 24, 1985
FDIC Cert
26411
Fed RSSD
109574
Parent Holding Company
HB HOLDINGS MHC (RSSD 5462975)

Profitability

Q2 annualized
Return on Assets2.82%YTD 1.50%
Return on Equity29.28%YTD 15.74%
Net Interest Margin2.67%YTD 2.61%

Balance Sheet

Total liabilities$572.1M
Cash & balances due$16.4M
Securities, available-for-sale$88.4M
Securities, held-to-maturity$0
Goodwill & intangibles$218K

Income Statement

Net income Q2$4.6M
Net interest income YTD$8.2M
Total interest income YTD$14.5M
Total interest expense YTD$6.3M
Provision for credit losses YTD$55K

Operating & Funding

Total noninterest income YTD$797K
Total noninterest expense YTD$7.6M

Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures

Quarterly trends

Haverhill Bank's total assets moved between a low of $578.3M (Q3 2023) and a high of $638.1M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built

Total assets and total liabilities

$636.8M total assets against $621.0M; $572.1M total liabilities against $565.9M.

Loans and leases against deposits

$465.5M net loans and leases against $462.9M; $507.6M total deposits against $512.8M.

Securities and cash

$128.7M securities against $119.2M; $16.4M cash and balances due against $12.0M.

Interest income against interest expense

$7.3M total interest income against $7.0M; $3.2M total interest expense against $3.4M.

Net interest income

$4.2M net interest income against $3.6M.

Noninterest income against noninterest expense

$472K total noninterest income against $342K; $3.8M total noninterest expense against $3.6M.

Provision for credit losses

$10K provision for credit losses against $114K.

Net income

$4.6M net income against $2.3M.

Return on assets and net interest margin

2.82% return on assets against 1.43%; 2.67% net interest margin against 2.34%.

CET1 and Tier 1 leverage ratios

14.13% CET1 capital ratio against 13.41%; 11.17% tier 1 leverage ratio against 10.07%.

Inside the full Haverhill Bank terminal

21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts

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Haverhill Bank rankings

Its closest position to the top of a national ranking is 1,478 of 4,196, for total assets; its furthest is 2,691 of 3,640, for Texas Ratio.

How ranks are counted

Quarterly trend: last 8 quarters

From Q3 2024 to Q2 2026, its return on assets ran from -0.42% (Q4 2024) to 2.82% (Q2 2026) and its net interest margin ran from 2.02% (Q3 2024) to 2.67% (Q2 2026).

Quarter CET1 ROA NPL Texas NIM
Q2 2026 14.13% 2.82% 0.14% 0.97% 2.67%
Q1 2026 13.68% 0.17% 0.16% 1.19% 2.55%
Q4 2025 13.72% 1.03% 0.16% 1.20% 2.55%
Q3 2025 13.43% 1.37% 0.07% 0.52% 2.44%
Q2 2025 13.41% 1.43% 0.02% 0.16% 2.34%
Q1 2025 13.08% -0.29% 0.06% 0.50% 2.14%
Q4 2024 13.36% -0.42% 0.06% 0.51% 2.07%
Q3 2024 13.68% 1.01% 0.08% 0.60% 2.02%

Swipe the table sideways to see every column.

Branch Network

View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.

1–7 of 7
Branch Location ZIP Deposits
Haverhill Bank (main office) Haverhill , MA 01830 $196.7M
Main Street Haverhill Branch Haverhill , MA 01830 $95.1M
Haverhill Branch Haverhill , MA 01835 $94.3M
Salem Nh Branch Salem , NH 03079 $51.0M
West Main Street Branch Merrimac , MA 01860 $48.4M
West Newbury Branch West Newbury , MA 01985 $19.8M
Internet Banking Branch Haverhill , MA 01830 $2.5M

Events & Regulatory History

Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.

Date Category Event Source
January 1, 2012 Merger Participated in Absorption/Consolidation/Merger FDIC
January 1, 2012 Structure Change Acquired Economy Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank FFIEC NIC
December 16, 2008 Merger Participated in Absorption/Consolidation/Merger FDIC
December 16, 2008 Structure Change Charter Discontinued (Merger or Purchase & Assumption) FFIEC NIC
April 5, 1982 Merger Participated in Absorption/Consolidation/Merger FDIC
April 5, 1982 Structure Change Acquired Whittier Co-Operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank FFIEC NIC

Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.

Regulatory record

Facts as filed or published, not a rating.

Deposit market share
<0.1% of deposits in MA, rank 79 of 112 institutions
Period: June 30, 2026. Source: FDIC Summary of Deposits.
Mortgage lending (HMDA)
90 applications, 69 loans originated, $50.5M originated, across 3 states
Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
SBA 7(a) lending
2 loans, $772K approved, $386K average. 0.00% of that year's loans have since been charged off
Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
Not on file
Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources

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Frequently asked about Haverhill Bank

What are Haverhill Bank's total assets?

As of the Q2 2026 filing, Haverhill Bank reported total assets of $636.8 million in its FFIEC call report.

Where is Haverhill Bank headquartered?

It is headquartered in Haverhill, MA, United States.

When was Haverhill Bank founded?

It was established in 1877, per the FDIC institution directory.

Is Haverhill Bank FDIC-insured?

Yes. It is an FDIC-insured savings 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.

What is Haverhill Bank's CET1 capital ratio?

It reported a Common Equity Tier 1 (CET1) capital ratio of 14.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.

How many branches does Haverhill Bank operate?

It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.

What is Haverhill Bank's Texas Ratio?

Its Texas Ratio is 0.97% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.

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