Pentucket Bank
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Data as of · sourced from FFIEC call reports. How we update
Pentucket Bank is an FDIC-insured savings bank headquartered in Haverhill, MA, established in 1891 (FDIC certificate 90208), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.12B, up 3.4% from Q2 2025, the 43rd largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.67% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90208
- Headquarters
- Haverhill, MA
- Established
- 1891
- Total assets, Q2 2026
- $1.12B
- Assets vs Q2 2025
- +3.4%
- Tier 1 leverage ratio, Q2 2026
- 11.67%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 211370066
- Holding company
- RIVER RUN BANCORP, INC.
- Asset rank in state
- 43rd of 89 in Massachusetts
Pentucket Bank, based in Haverhill, Massachusetts, reported $1.1 billion in assets at June 30, 2026, up 3.4% from a year earlier. It keeps 2.76 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents).
Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $2.4 million on paper in the quarter, out of $3.9 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here.
As of June 30, 2026, Pentucket Bank reported a return on assets of 1.10%, a nonperforming-loan ratio of 0.79% and a Texas ratio of 5.49%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pentucket Bank is the 43rd largest of the 89 banks headquartered in Massachusetts. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.8% to $1.12B, loans rose 0.2% and deposits were flat. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 46.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.5%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Haverhill 3 offices book 58% of its branch deposits. By the capital ratios in its Q2 2026 call report, Pentucket Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1891
- Former names
- Pentucket Five Cents Savings Bank (1974-2000)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 116
- Domestic deposits
- $877.9M
- Allowance for credit losses
- $9.4M
- Net charge-offs (YTD)
- $170K
- Average total assets
- $1.13B
- Average total loans
- $899.6M
- Average interest-bearing deposits
- $752.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 8, 1985
- FDIC Cert
- 90208
- Fed RSSD
- 635907
- Website
- www.pentucketbank.com →
- Parent Holding Company
- RIVER RUN BANCORP, INC. (RSSD 4267481)
- Ultimate Parent
- RIVER RUN BANCORP, MHC (RSSD 4267472)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
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. As a community bank leverage ratio filer, Pentucket Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Pentucket Bank's total assets ranged from $967.2M (Q3 2023) to $1.12B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.12B total assets against $1.08B; $1.00B total liabilities against $974.3M.
$890.4M net loans and leases against $858.9M; $877.9M total deposits against $859.3M.
$145.5M securities against $140.4M; $15.2M cash and balances due against $21.9M.
$13.1M total interest income against $12.4M; $5.7M total interest expense against $5.8M.
$7.4M net interest income against $6.5M.
$966K total noninterest income against $783K; $6.7M total noninterest expense against $6.5M.
$205K provision for credit losses against $143K.
$3.1M net income against $1.4M.
1.10% return on assets against 0.51%; 2.76% net interest margin against 2.52%.
11.67% tier 1 leverage ratio against 11.34%.
Inside the full Pentucket Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Pentucket Bank rankings
Its closest position to the top of a national ranking is 934 of 4,196, for total assets; its furthest is 441 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.04% (Q1 2025) to 1.10% (Q2 2026) and its net interest margin ran from 2.27% (Q3 2024) to 2.76% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.67% | 1.10% | 0.79% | 5.49% | 2.76% |
| Q1 2026 | 11.44% | 0.37% | 0.74% | 5.28% | 2.67% |
| Q4 2025 | 11.29% | 0.35% | 0.71% | 5.09% | 2.68% |
| Q3 2025 | 11.37% | 0.49% | 0.70% | 5.11% | 2.62% |
| Q2 2025 | 11.34% | 0.51% | 0.77% | 5.66% | 2.52% |
| Q1 2025 | 11.31% | 0.04% | 0.88% | 6.53% | 2.36% |
| Q4 2024 | 11.34% | 0.11% | 0.73% | 5.56% | 2.34% |
| Q3 2024 | 11.40% | 0.33% | 0.69% | 5.09% | 2.27% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pentucket Bank (main office) | Haverhill , MA | 01830 | $265.1M |
| Hampstead Nh Branch | Hampstead , NH | 03841 | $172.2M |
| Stadium Branch | Haverhill , MA | 01830 | $132.6M |
| Salem Nh Branch | Salem , NH | 03079 | $122.6M |
| Lowell Avenue Branch | Haverhill , MA | 01832 | $113.9M |
| North Andover Branch | North Andover , MA | 01845 | $71.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 70 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 148 applications, 112 loans originated, $49.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.1M approved, $211K 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 Pentucket Bank
What are Pentucket Bank's total assets?
As of the Q2 2026 filing, Pentucket Bank reported total assets of $1.12 billion in its FFIEC call report.
Where is Pentucket Bank headquartered?
It is headquartered in Haverhill, MA, United States.
When was Pentucket Bank founded?
It was established in 1891, per the FDIC institution directory.
Is Pentucket Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #90208). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pentucket Bank?
Pentucket Bank's primary federal regulator is the FDIC.
How many branches does Pentucket Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pentucket Bank's Texas Ratio?
Its Texas Ratio is 5.49% 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.
What was Pentucket Bank previously called?
The charter now named Pentucket Bank has also operated as Pentucket Five Cents Savings Bank (1974-2000), per FDIC structure-change records.
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