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Haverhill Bank

Haverhill, MA · Cert 26411 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29) · HB Holdings MHC

SI · FDIC · 7 branches

Q2 2026

$636.8MAssets
$469.3MLoans
$507.6MDeposits
$64.7MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 93% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 2 of 29).
  • Widest gap: net interest margin trails 66% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 19 of 29).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.53%

Rank 2 of 29

Net Interest Margin

2.51%

Rank 19 of 29

Efficiency Ratio

84.66%

Rank 17 of 29

Equity / Assets

10.16%

Rank 11 of 29

Non-interest income vs. expense

$1.6M$15.2MINCOMEEXPENSE
Unfavorable gap of $13.6M · efficiency ratio beats 48% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 84.66%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.53%0.23%0.39%0.50%Beats 93%2 / 29
Return on Equity15.01%2.29%3.46%5.78%Beats 93%2 / 29
Net Interest Margin2.51%2.42%2.71%3.01%Beats 34%19 / 29
Efficiency Ratio84.66%78.96%84.14%93.09%Beats 48%17 / 29
Asset Quality
Nonperforming Loans / Loans0.14%0.03%0.13%0.43%Beats 48%16 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 48%18 / 29
Capital
Tier 1 Capital Ratio14.13%11.54%13.48%16.99%Beats 55%13 / 29
Total Risk-Based Capital Ratio14.94%11.54%14.44%17.87%Beats 55%13 / 29
Equity / Assets10.16%8.70%9.70%11.05%Beats 62%11 / 29
Liquidity & Funding
Loans / Deposits92.45%84.22%92.17%95.56%54th pctl13 / 28
Loans / Assets73.70%69.12%73.70%81.02%48th pctl15 / 29
Brokered Deposits / Depositsn/aNot reported for this institution