Haverhill Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 157.08 percentage points higher than in Q1 2026, at 656.42%. On return on assets, Haverhill Bank ranks 2nd highest among the 89 banks headquartered in Massachusetts, at 2.82% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Haverhill Bank reported 2.82% on return on assets in Q2 2026, 1.57 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.13% |
| Tier 1 risk-based capital ratio | 14.13% |
| Total risk-based capital ratio | 14.94% |
| Tier 1 leverage ratio | 11.17% |
| Equity capital to assets | 10.16% |
| Tangible equity to tangible assets | 10.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.97% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of non-performing loans | 656.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.82% |
| Return on equity | 29.28% |
| Net interest margin | 2.67% |
| Efficiency ratio | 82.07% |
| Yield on earning assets | 4.68% |
| Cost of funds | 2.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.45% |
| Core deposits to total deposits | 72.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.71% |
| Securities to assets | 20.20% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.19% | 13.19% | 14.09% | 9.57% | -0.42% |
| Q4 2023 | 13.39% | 13.39% | 14.26% | 9.85% | 1.52% |
| Q1 2024 | 13.49% | 13.49% | 14.35% | 10.06% | 1.23% |
| Q2 2024 | 13.76% | 13.76% | 14.60% | 9.97% | 0.14% |
| Q3 2024 | 13.68% | 13.68% | 14.50% | 10.15% | 1.01% |
| Q4 2024 | 13.36% | 13.36% | 14.19% | 9.89% | -0.42% |
| Q1 2025 | 13.08% | 13.08% | 13.90% | 9.73% | -0.29% |
| Q2 2025 | 13.41% | 13.41% | 14.25% | 10.07% | 1.43% |
| Q3 2025 | 13.43% | 13.43% | 14.25% | 10.29% | 1.37% |
| Q4 2025 | 13.72% | 13.72% | 14.55% | 10.41% | 1.03% |
| Q1 2026 | 13.68% | 13.68% | 14.51% | 10.47% | 0.17% |
| Q2 2026 | 14.13% | 14.13% | 14.94% | 11.17% | 2.82% |
Haverhill Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Haverhill Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)