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Pentucket Bank
Haverhill, MA · FDIC Certificate #90208 · Chartered 01/0
Total assets
$1.12B
Total deposits
$877.93M
Total equity
$119.84M
Net loans
$890.36M
Branches (offices)
6
Net income (YTD)
$4.13M
Rank: #942 of 4,213 U.S. banks by assets · #43 of 89 in Massachusetts. Assets changed 3.4% and deposits 2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.74% |
| Return on equity | 7.04% |
| Net interest margin (YTD) | 2.77% |
| Equity to assets | 10.69% |
| Tier 1 leverage ratio | 11.67% |
| Uninsured deposits (share of deposits) | 33.8% |
| Noncurrent loans (share of loans) | 0.79% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 101.4% |
| Real estate loans (share of loans) | 93.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $830.78M | 93.3% | |
| Commercial & industrial | $56.11M | 6.3% | |
| Consumer / individual | $3.03M | 0.3% | |
| Construction & development | $30.59M | 3.4% | |
| Agricultural | $63.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $941.86M | $803.09M | -$2.65M | $98.41M |
| Jun 2023 | $968.39M | $814.57M | $1.74M | $103.22M |
| Jun 2024 | $1.06B | $787.87M | $2.21M | $104.30M |
| Jun 2025 | $1.08B | $859.30M | $1.50M | $109.76M |
| Jun 2026 | $1.12B | $877.93M | $4.13M | $119.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $583.21M | 4 |
| New Hampshire | $294.72M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $877.93M.
Similar-sized banks
Financial Federal Bank ($1.12B) · Farmers State Bank ($1.12B)
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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