Haverhill Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 14.67 percentage points lower than in Q1 2026, at 131.92%. Haverhill Bank ranks 48th of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 92.45% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Haverhill Bank sits 11.61 points higher, at 92.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $469.3M |
| Net loans and leases | $465.5M |
| Loans held for sale | $0 |
| Loans to total assets | 73.70% |
| Loan-to-deposit ratio | 92.45% |
| Net loans to equity capital | 7.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.74% |
| Multifamily (5+ residential) | 3.84% |
| Commercial and industrial | 6.18% |
| Consumer | 0.53% |
| Credit cards | 0.00% |
| Farm | 0.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 131.92% |
| Construction concentration (Tier 1 capital + allowance) | 81.50% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.36% |
| Interest income on loans | $6.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $433.6M | $485.6M | 14.68% | 6.03% | 2.15% |
| Q4 2023 | $440.0M | $489.7M | 14.22% | 6.67% | 1.93% |
| Q1 2024 | $443.8M | $496.7M | 14.72% | 6.35% | 1.76% |
| Q2 2024 | $447.9M | $500.9M | 15.56% | 6.66% | 1.58% |
| Q3 2024 | $454.5M | $500.6M | 15.89% | 6.11% | 1.41% |
| Q4 2024 | $464.0M | $508.0M | 15.73% | 5.85% | 1.22% |
| Q1 2025 | $469.5M | $512.3M | 15.58% | 5.90% | 1.10% |
| Q2 2025 | $466.5M | $512.8M | 15.11% | 6.83% | 0.99% |
| Q3 2025 | $478.5M | $515.8M | 15.03% | 6.54% | 0.81% |
| Q4 2025 | $473.8M | $520.4M | 17.14% | 6.38% | 0.69% |
| Q1 2026 | $477.4M | $512.7M | 17.20% | 6.64% | 0.62% |
| Q2 2026 | $469.3M | $507.6M | 16.74% | 6.18% | 0.53% |
Haverhill Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Haverhill Bank, freeSource: Call Report Schedule RC-C, 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)