C
Haverhill Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Haverhill Bank
Haverhill, MA
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Rating C
Asset Quality Index 9.10
Capitalization Index 8.90
Liquidity Index 1.40
Profitability Index 4.30
Stability Index 6.20
Company Info Haverhill Bank
Haverhill, MA
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FDIC Number 26411
Phone Number (978) 374-0161
Website www.haverhillbank.com
Asset Quality Haverhill Bank
Haverhill, MA
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1-Year Asset Growth 4.51%
5-Year Asset Growth 9.64%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.46%
Non-Performing Loans to Loans 0.07%
Balance Sheet Haverhill Bank
Haverhill, MA
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Total Assets 637.75M
Total Deposits 515.82M
Capital and Reserves Haverhill Bank
Haverhill, MA
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Capital 58.09M
Leverage Ratio 10.29
Loan Loss Reserves to Loans 0.78%
Risk-Based Capital Ratio 14.25
Liquidity Haverhill Bank
Haverhill, MA
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Hot Money Ratio 37.86%
Liquidity Ratio 22.26%
Profitability Haverhill Bank
Haverhill, MA
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5-Year Return on Average Assets 0.65%
Net Income 4.00M
Net Interest Spread 2.31%
Operating Profit to Average Assets 1.05%
Overhead Efficiency Ratio 91.20%
Return on Assets 0.84%
Return on Equity 9.85%