Pentucket Bank
Haverhill, MA
IDRSSD: 635907
Total Assets
$1.11B
Latest filing
Total Deposits
$874.85M
Latest filing
Net Interest Margin
2.67%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Pentucket Bank
1 Merrimack St
Haverhill, MA 01830
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1891FDIC Certificate 17799
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Pentucket Bank (Main) | 1 Merrimack St | Haverhill, MA |
| LOWELL AVENUE BRANCH | 395 Lowell Ave | Haverhill, MA |
| STADIUM BRANCH | 120 Lincoln Ave | Haverhill, MA |
| HAMPSTEAD NH BRANCH | 201 State Route 111 | Hampstead, NH |
| SALEM NH BRANCH | 234 N Broadway | Salem, NH |
| NORTH ANDOVER BRANCH | 1065 Osgood St | North Andover, MA |
Showing 5 of 5
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 01/01/1891 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01830 |
| State and County Number | 25009 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| 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 | 109 |
| Domestic Offices | 6 |
| 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 | 10/08/1985 |
| Primary Insurance Agency | DIF |
| Website | www.pentucketbank.com |
| Data Updated | 11/14/2025 |
| CERT | 90208 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.11B |
| Total Deposits | $874.85M |
| Total Liabilities | $997.48M |
| Total Equity Capital | $112.52M |
| Net Income | $1.34M |
| Net Loans and Leases | $884.28M |
| Assets Per Employee ($Millions) | $10.37M |
| Bank Premises and Fixed Assets | $16.46M |
| Cash and Balances due from Depository Institutions | $17.88M |
| Deposits Held in Domestic Offices | $874.85M |
Key Performance Ratios
| Return on Assets (ROA) | 0.49% |
| Return on Equity (ROE) | 4.82% |
| Net Interest Margin | 2.67% |
| Efficiency Ratio | 86.99% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.29% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.137% |
| Earning Assets to total Assets | 93.74% |
Income and Expense
| Total Interest Income | $12.81M |
| Total Noninterest Income | $818.00k |
| Total Interest Expense | $5.96M |
| Total Noninterest Expense | $6.67M |
| Net Interest Income | $6.85M |
| Pre-tax Net Operating Income | $214.00k |
| Provision for Credit Losses | $784.00k |
| 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 | $111.63M |
| Federal Funds Sold & Reverse Repurchase Agreement | $619.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $11.01M |
| Total Liabilities and Capital | $1.11B |
Securities
| Securities | $142.47M |
| Available-for-sale debt securities | $117.97M |
| 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 Pentucket Bank?
$1.11B as of the latest filing.
How much are Pentucket Bank's total deposits?
$874.85M in total deposits.
Where is Pentucket Bank located?
Haverhill, MA.
What is the Net Interest Margin?
2.67%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1891.
What is the Return on Assets (ROA)?
0.49%.
How much are total loans and leases?
$884.28M (latest filing).
What is the total interest income (latest filing)?
$12.81M.