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Haverhill Bank
Haverhill, MA · FDIC Certificate #26411 · Chartered 01/0
Total assets
$636.84M
Total deposits
$507.64M
Total equity
$64.73M
Net loans
$465.55M
Branches (offices)
7
Net income (YTD)
$4.86M
Rank: #1,486 of 4,213 U.S. banks by assets · #64 of 89 in Massachusetts. Assets changed 2.6% and deposits -1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.53% |
| Return on equity | 15.74% |
| Net interest margin (YTD) | 2.69% |
| Equity to assets | 10.16% |
| Tier 1 leverage ratio | 11.17% |
| Uninsured deposits (share of deposits) | 27.1% |
| Noncurrent loans (share of loans) | 0.14% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 91.7% |
| Real estate loans (share of loans) | 94.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $437.80M | 94.0% | |
| Commercial & industrial | $29.02M | 6.2% | |
| Consumer / individual | $2.50M | 0.5% | |
| Construction & development | $62.17M | 13.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $533.33M | $484.82M | -$2.41M | $44.71M |
| Jun 2023 | $578.90M | $487.46M | $2.32M | $46.95M |
| Jun 2024 | $601.22M | $500.85M | $2.08M | $50.68M |
| Jun 2025 | $620.96M | $512.85M | $1.81M | $55.10M |
| Jun 2026 | $636.84M | $507.64M | $4.86M | $64.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $456.62M | 6 |
| New Hampshire | $51.02M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $507.64M.
Similar-sized banks
American State Bank ($637.82M) · Legends Bank ($635.54M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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