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Haverhill Bank

$100M-$1B Specialty: Commercial MA FDIC cert 26411

Haverhill, MA

7 branches across MA · NH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
  • Deposits -1.0% year over year ($507.6M on the books).
  • Delinquency rate 0.14%.
  • Return on assets 1.53%.
  • Efficiency ratio 84.66% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.71% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MA
View $100M-$1B leaderboard (MA) →

Haverhill Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.20% above tier average
  • + Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 0.8% in tier
  • - Liquidity Strain: Bottom 8.8% in tier
  • - Credit Quality Pressure: Bottom 20.1% in tier
  • - Deposit Outflow: Bottom 45.8% in tier
  • - Net Interest Margin 1.30% below tier average
  • - Efficiency Ratio 20.18% above tier average
Get updates when Haverhill Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $636.8M
+2.6% YoY -0.2% QoQ
+$250.3M $386.6M
+1.2% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
83%
Total Loans ? $465.5M
+0.6% YoY -1.7% QoQ
+$207.2M $258.3M
+1.7% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
Top 14.3% in tier
Total Deposits ? $507.6M
-1.0% YoY -1.0% QoQ
+$180.9M $326.7M
+0.7% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
81%
Return on Assets ? 1.53%
+161.5% YoY +758.6% QoQ
+0.20% 1.32%
+10.8% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
67%
Net Interest Margin ? 2.69%
+16.3% YoY +2.3% QoQ
-1.30% 3.99%
+5.0% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 4.6% in tier
Efficiency Ratio ? 84.66%
-10.4% YoY -3.2% QoQ
+20.18% 64.48%
-3.2% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
Bottom 9.2% in tier
Delinquency Rate ? 0.14%
+585.6% YoY -11.5% QoQ
-0.78% 0.92%
+15.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
70%
Loan-to-Deposit Ratio ? 91.71%
+1.6% YoY -0.7% QoQ
+13.76% 77.95%
+1.0% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 18.92%
-3.9% YoY +5.6% QoQ
-3.12% 22.03%
-0.6% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 0.10%
+572.4% YoY -12.8% QoQ
-0.56% 0.67%
+16.4% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
71%
Tier 1 Capital Ratio ? 14.13%
+5.3% YoY +3.3% QoQ
-1.78% 15.91%
+1.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
58%
Non-Interest Income / Assets ? 0.13%
+15.0% YoY +145.7% QoQ
-0.44% 0.57%
+7.6% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
27%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Noninterest-Bearing 18.9%
-0.8pp YoY
+1.0pp QoQ
 -3.2pp 22.1% 16.2% 22.2% 40%
Brokered Deposits n/a n/a 7.9% 6.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 6.2%
-0.7pp YoY
-0.5pp QoQ
 -5.3pp 11.6% 6.5% 12.5% 27%
CRE 34.1%
+1.1pp YoY
-0.5pp QoQ
 -5.4pp 39.5% 40.3% 41.4% 42%
1-4 Family 59.6%
0.0pp YoY
+1.0pp QoQ
 +27.0pp 32.6% 52.4% 31.3% 90%
Consumer 0.5%
-0.5pp YoY
-0.1pp QoQ
 -3.6pp 4.1% 1.6% 5.0% 17%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 14.1%
+0.7pp YoY
+0.5pp QoQ
 -4.7pp 18.8% 16.6% 19.7% 40%
Leverage Ratio 11.2%
+1.1pp YoY
+0.7pp QoQ
 -1.0pp 12.2% 11.5% 12.6% 53%
Total Capital Ratio 14.9%
+0.7pp YoY
+0.4pp QoQ
 -5.0pp 19.9% 17.5% 20.8% 37%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 66
0 YoY
+4 (+6.5%) QoQ
 +7 58 755 482 68%
Assets per Employee ($) $9.6M
+2.6% YoY
-6.2% QoQ
 +$2.1M $7.5M $10.7M $8.8M 84%
Branch Count 7
0 YoY
0 QoQ
 +2 4 13 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.1% 0.4% 24%
Nonaccrual 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 21%
Allowance Coverage 5.71x
-85.1% YoY
+14.4% QoQ
 -18.44x 24.15x 7.95x 20.23x 73%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 22%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 15.7%
+8.9pp YoY
+13.9pp QoQ
 +3.5pp 12.2% 5.6% 11.6% 72%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.4pp 1.7% 2.0% 1.7% 75%
Net Income ($, YTD) $4.9M
+168.9% YoY
— QoQ
 +$2.3M $2.6M $31.7M $40.4M 87%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Credit Risk Growth

risk
#8 of 936 • Bottom 0.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#62 of 691 • Bottom 8.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.71%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#253 of 1256 • Bottom 20.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.14%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#246 of 535 • Bottom 45.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

380
Total Loans
size
Value: $465.55M
Peer Median: $258.35M
#380 of 2643 Top 14.3% in $100M-$1B
445
Total Assets
size
Value: $636.84M
Peer Median: $386.57M
#445 of 2643 Top 16.8% in $100M-$1B
512
Total Deposits
size
Value: $507.64M
Peer Median: $326.73M
#512 of 2643 Top 19.3% in $100M-$1B

Top Weaknesses (3 metrics)

2522
Net Interest Margin
profitability
Value: 2.69%
Peer Median: 3.99%
#2522 of 2643 Bottom 4.6% in $100M-$1B
2400
Efficiency Ratio
profitability
Value: 84.66%
Peer Median: 64.48%
#2400 of 2643 Bottom 9.2% in $100M-$1B
2041
Loan-to-Deposit Ratio
liquidity
Value: 91.71%
Peer Median: 77.95%
#2041 of 2643 Bottom 22.8% in $100M-$1B
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