Haverhill Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Total equity capital rose 7.3% in Q2 2026 to $64.7M, the biggest move on this page. Within Massachusetts, Haverhill Bank is 29th of 59 on CET1 ratio, 14.13% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Haverhill Bank sits 0.94 points lower, at 14.13% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.13% |
| Tier 1 risk-based capital ratio | 14.13% |
| Total risk-based capital ratio | 14.94% |
| Tier 1 leverage ratio | 11.17% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $72.5M |
| Tier 1 capital | $72.5M |
| Total risk-based capital | $76.6M |
| Total equity capital | $64.7M |
| Risk-weighted assets | $513.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.16% |
| Tangible equity to tangible assets | 10.13% |
| Equity capital to average assets | 9.97% |
| Internal capital growth rate | 30.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $67.9M |
| Retained earnings | $4.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.19% | 13.19% | 14.09% | 9.57% | $429.8M |
| Q4 2023 | 13.39% | 13.39% | 14.26% | 9.85% | $440.5M |
| Q1 2024 | 13.49% | 13.49% | 14.35% | 10.06% | $450.9M |
| Q2 2024 | 13.76% | 13.76% | 14.60% | 9.97% | $443.8M |
| Q3 2024 | 13.68% | 13.68% | 14.50% | 10.15% | $457.7M |
| Q4 2024 | 13.36% | 13.36% | 14.19% | 9.89% | $463.7M |
| Q1 2025 | 13.08% | 13.08% | 13.90% | 9.73% | $470.4M |
| Q2 2025 | 13.41% | 13.41% | 14.25% | 10.07% | $475.5M |
| Q3 2025 | 13.43% | 13.43% | 14.25% | 10.29% | $491.1M |
| Q4 2025 | 13.72% | 13.72% | 14.55% | 10.41% | $492.9M |
| Q1 2026 | 13.68% | 13.68% | 14.51% | 10.47% | $496.7M |
| Q2 2026 | 14.13% | 14.13% | 14.94% | 11.17% | $513.1M |
Haverhill Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Haverhill Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Haverhill Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26411) · FFIEC NIC profile (RSSD 109574)