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Pentucket Bank

Haverhill, MA · Cert 90208 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · River Run Bcorp MHC

SI · FDIC · 2 affiliate banks · 6 branches (26 in holding)

Q2 2026

$1.1BAssets
$899.8MLoans
$877.9MDeposits
$119.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 44% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 15 of 27).
  • Widest gap: total risk-based capital ratio trails 93% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 25 of 27).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.74%

Rank 17 of 27

Net Interest Margin

2.57%

Rank 17 of 27

Efficiency Ratio

84.38%

Rank 26 of 27

Equity / Assets

10.69%

Rank 17 of 27

Non-interest income vs. expense

$3.5M$27.3MINCOMEEXPENSE
Unfavorable gap of $23.8M · efficiency ratio beats 7% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 84.38%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.74%0.48%0.78%0.99%Beats 37%17 / 27
Return on Equity6.90%5.50%7.06%8.20%Beats 44%15 / 27
Net Interest Margin2.57%2.49%2.70%3.34%Beats 37%17 / 27
Efficiency Ratio84.38%59.27%68.19%75.85%Beats 7%26 / 27
Asset Quality
Nonperforming Loans / Loans0.79%0.20%0.58%1.15%Beats 37%18 / 27
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 37%18 / 27
Capital
Tier 1 Capital Ratio11.67%13.21%14.69%16.81%Beats 11%24 / 27
Total Risk-Based Capital Ratio11.67%13.71%15.43%18.07%Beats 7%25 / 27
Equity / Assets10.69%9.62%11.14%13.14%Beats 37%17 / 27
Liquidity & Funding
Loans / Deposits102.49%91.42%101.19%107.11%52nd pctl13 / 27
Loans / Assets80.25%75.31%80.56%83.39%44th pctl15 / 27
Brokered Deposits / Depositsn/aNot reported for this institution