🏦Bank Scorer

HAVERHILL BANK

HAVERHILL, MA · Supervised by FDIC

Est. 1877FDIC #26,411RSSD: FDIC-26411
Part ofHB HOLDINGS MHC→ View all charters
Satisfactory Same

Current rating · Exam: August 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.18%

Institution Profile

FDIC BankFind

Address

180 Merrimack St, HAVERHILL, MA

County

Essex County

Established

January 1, 1877

Total Assets

$638M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$638M

Total Deposits

$513M

Net Loans

$474M

Net Income

$283K

ROA

0.18%

ROE

1.88%

Risk-Based Capital

14.51%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate23.36%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$513M

1-Year Change

0

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410757.01%23.36%
202317466.09%17.82%
202224371.6%11.11%
202127371.79%13.55%
202022862.28%15.79%
201916279.63%8.64%
201817573.71%12.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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