Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Good (5.8) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 11.2. A current level of 0.9 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (9.2).
Asset Mix:
Home mtgs (41%), securities (14%), comm re (12%), comm loans (5%), cash (3%), home eq lns (2%), consumer loans (0%), other (23%)
States with Branches:
MA, NH
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
HB Holdings MHC
Investment Rating
--
Address
180 Merrimack Street
Haverhill, MA 01830
Haverhill, MA 01830
Phone Number
(978) 374-0161
Year Founded
1877
FDIC Number
Website
Largest Affiliates
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