Haverhill, MA · Cert 26411 · HB Holdings MHC
SI · FDIC · 7 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #51 of 100 inst. · $0.5B of $580.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02%1 | -0.42% | -0.30% | 1.46%1 | 1.40%1 | 1.05%1 | 0.18% | 2.87%1 | +141 bps | |
| Return on Equity | 11.76% | -4.88% | -3.53% | 16.85% | 15.52% | 11.30% | 1.88% | 29.28% | +1,243 bps | |
| Net Interest Margin | 1.95% | 2.01% | 2.06% | 2.25% | 2.35% | 2.46% | 2.46% | 2.57% | +32 bps | |
| Efficiency Ratio | 94.78% | 96.60% | 98.08% | 91.17% | 85.24% | 82.14% | 87.45% | 82.07% | -909 bps | |
| Non-Interest Burden | 1.83% | 1.94% | 2.01% | 2.03% | 1.97% | 1.98% | 2.12% | 2.06% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.53% | 4.16% | 4.47% | 3.28% | 4.51% | 3.22% | 2.75% | 2.56% | -72 bps | |
| Loan Growth (YoY) | 4.82% | 5.46% | 5.79% | 4.17% | 5.27% | 2.11% | 1.67% | 0.60% | -357 bps | |
| Deposit Growth (YoY) | 3.09% | 3.74% | 3.14% | 2.40% | 3.04% | 2.44% | 0.08% | -1.02% | -341 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.06% | 0.06% | 0.02% | 0.07% | 0.16% | 0.16% | 0.14% | +12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | -0.01% | -2 bps | |
| Allowance / Loans | 0.75% | 0.78% | 0.78% | 0.79% | 0.78% | 0.79% | 0.80% | 0.81% | +2 bps | |
| Allowance Coverage of NPLs | 9.8x | 12.8x | 13.1x | 38.3x | 11.7x | 4.9x | 5.0x | 5.7x | -32.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.15% | 9.89% | 9.73% | 10.07% | 10.29% | 10.41% | 10.47% | 11.17% | +110 bps | |
| Total Risk-Based Capital | 14.50% | 14.19% | 13.90% | 14.25% | 14.25% | 14.55% | 14.51% | 14.94% | +69 bps | |
| Equity / Assets | 8.98% | 8.39% | 8.46% | 8.87% | 9.11% | 9.46% | 9.45% | 10.16% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.79% | 91.34% | 91.64% | 90.97% | 92.76% | 91.05% | 93.10% | 92.45% | +148 bps | |
| Liquid Assets / Assets | 1.61% | 1.46% | 0.98% | 1.54% | 1.76% | 1.72% | 1.82% | 2.15% | +61 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 251% | 239% | 241% | n/a | n/a | |