HB HOLDINGS MHC is the parent banking group. HAVERHILL BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

HB HOLDINGS MHC

1 active bank · $638M combined assets

RSSD ID: 5462975 (FFIEC NIC)

Combined Assets

$638M

CRA Rating Summary

Satisfactory1charter

Across all 11 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankHAVERHILL BANKHAVERHILL, MASatisfactory$638MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$638M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$513M

Net Income

$283K

ROA (avg)

0.18%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

107

Origination Rate

57.01%

Denial Rate

23.36%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
HAVERHILL BANK	HAVERHILL, MA	FDIC	$638M	100.0%	Satisfactory	Aug 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.