Haverhill Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Haverhill Bank of Haverhill, MA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.82% | 1.34% | +1.48% | 96th top |
| ROAE | 29.28% | 13.30% | +15.98% | 98th top |
| Net Interest Margin | 2.67% | 3.93% | -1.26% | 5th bottom |
| Efficiency Ratio | 82.07% | 61.13% | +20.94% | 12th bottom |
| PPNR / Avg Assets | 0.51% | 1.68% | -1.17% | 9th bottom |
| Yield on Earning Assets | 4.68% | 5.67% | -0.99% | 13th bottom |
| Cost of Funds | 2.27% | 1.88% | +0.39% | 23rd bottom |
| Net Interest Spread | 2.02% | 3.32% | -1.30% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.94% | -0.82% | 71st above |
| NPA / Total Assets | 0.09% | 0.70% | -0.61% | 71st above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 82nd top |
| ACL / Total Loans | 0.81% | 1.28% | -0.47% | 11th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 656.42% | 1539.27% | -882.85% | 76th top |
| Texas Ratio | 0.97% | 7.34% | -6.37% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.13% | 19.51% | -5.38% | 40th below |
| Tier 1 Ratio | 14.13% | 19.54% | -5.41% | 40th below |
| Total Capital Ratio | 14.94% | 20.63% | -5.69% | 37th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.17% | 12.14% | -0.97% | 53rd above |
| Equity / Assets | 10.16% | 11.38% | -1.22% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.13% | 11.09% | -0.96% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.45% | 80.63% | +11.82% | 24th bottom |
| Core Deposit Ratio | 72.88% | 86.87% | -13.99% | 7th bottom |
| Wholesale Funding Ratio | 9.14% | 5.03% | +4.11% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.56% | 6.85% | -4.29% | 36th below |
| Loan Growth (Y/Y) | 0.60% | 7.91% | -7.31% | 25th below |
| Deposit Growth (Y/Y) | -1.02% | 6.29% | -7.31% | 18th bottom |
See Haverhill Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Haverhill Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Haverhill Bank profile, how to read a UBPR, or how this data updates.