Haverhill Bank
Haverhill, MA
IDRSSD: 109574
Total Assets
$637.75M
Latest filing
Total Deposits
$515.82M
Latest filing
Net Interest Margin
2.51%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Haverhill Bank
180 Merrimack St
Haverhill, MA 01830
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1877FDIC Certificate 33028
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Haverhill Bank (Main) | 180 Merrimack St | Haverhill, MA |
| HAVERHILL BRANCH | 163 S Main St | Haverhill, MA |
| WEST MAIN STREET BRANCH | 6 Main Street | Merrimac, MA |
| MAIN STREET HAVERHILL BRANCH | 1094 Main St | Haverhill, MA |
| SALEM NH BRANCH | 396 Main St | Salem, NH |
| WEST NEWBURY BRANCH | 281 Main St | West Newbury, MA |
| INTERNET BANKING BRANCH | 180 Merrimack St | Haverhill, MA |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1877 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01830 |
| State and County Number | 25009 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 66 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 10/24/1985 |
| Primary Insurance Agency | DIF |
| Website | www.haverhillbank.com |
| Data Updated | 11/14/2025 |
| CERT | 26411 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $637.75M |
| Total Deposits | $515.82M |
| Total Liabilities | $579.66M |
| Total Equity Capital | $58.09M |
| Net Income | $2.20M |
| Net Loans and Leases | $474.76M |
| Assets Per Employee ($Millions) | $9.66M |
| Bank Premises and Fixed Assets | $7.46M |
| Cash and Balances due from Depository Institutions | $13.47M |
| Deposits Held in Domestic Offices | $515.82M |
Key Performance Ratios
| Return on Assets (ROA) | 1.4% |
| Return on Equity (ROE) | 15.52% |
| Net Interest Margin | 2.51% |
| Efficiency Ratio | 85.24% |
| Tier 1 Risk-Based Capital Ratio | 13.431% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.109% |
| Earning Assets to total Assets | 95.41% |
Income and Expense
| Total Interest Income | $7.26M |
| Total Noninterest Income | $347.00k |
| Total Interest Expense | $3.49M |
| Total Noninterest Expense | $3.51M |
| Net Interest Income | $3.77M |
| Pre-tax Net Operating Income | $564.00k |
| Provision for Credit Losses | $44.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $57.72M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.12M |
| Total Liabilities and Capital | $637.75M |
Securities
| Securities | $122.51M |
| Available-for-sale debt securities | $88.80M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Haverhill Bank?
$637.75M as of the latest filing.
How much are Haverhill Bank's total deposits?
$515.82M in total deposits.
Where is Haverhill Bank located?
Haverhill, MA.
What is the Net Interest Margin?
2.51%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1877.
What is the Return on Assets (ROA)?
1.4%.
How much are total loans and leases?
$474.76M (latest filing).
What is the total interest income (latest filing)?
$7.26M.