0.18%
+159.7%y/y
Peer standing6th percentile
FDIC
NETINC + ROAHB
Haverhill Bank
Haverhill, MassachusettsFDIC Cert #26411
STATEEstablished 18777 branches
Holding company: HB HOLDINGS MHCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
1.88%
+153.2%y/y
Peer standing6th percentile
FDIC
NETINC + ROE0.31%
+1,906.7%y/y
Peer standing7th percentile
FDIC
PTAXNETINC + ASSET2.62%
+18.9%y/y
Peer standing5th percentile
FDIC
NIM + NIMY4.72%
+1.8%y/y
Peer standing12th percentile
FDIC
INTINCY3.02%
−11.3%y/y
Peer standing22nd percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
87.45%
−10.8%y/y
Peer standing7th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.37%
+4.0%y/y
Peer standing63rd percentile
FDIC
NONIX + ASSET7.54%
−19.0%y/y
Percentile by value29th percentileby value
FDIC
NONII + NIM+2.75%
−38.6%y/y
Percentile by value35th percentileby value
FDIC
ASSET+0.08%
−97.5%y/y
Percentile by value22nd percentileby value
FDIC
DEP+1.66%
−71.5%y/y
Percentile by value27th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.18%6th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE1.88%6th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY2.62%5th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR87.45%7th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+0.08%22nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+1.66%27th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.16%70th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ10.47%47th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.02%22nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC146%42nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.18%16th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.12%Median 0.58%90th 1.12%Observations 94
ROE
FDIC
NETINC + ROE1.88%17th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.15%Median 5.41%90th 9.04%Observations 94
NIM
FDIC
NIM + NIMY2.62%25th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.22%Median 2.97%90th 3.89%Observations 94
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR87.45%20th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 58.12%Median 75.85%90th 93.70%Observations 94
Deposits YoY
FDIC
DEP+0.08%24th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.96%Median +3.50%90th +12.18%Observations 91
Loans YoY
FDIC
LNLSNET+1.66%36th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.59%Median +3.61%90th +15.78%Observations 90
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.16%76th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.45%90th 1.71%Observations 90
Leverage
FDIC
RBC1AAJ10.47%51st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.65%Median 10.47%90th 14.98%Observations 94
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.02%29th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.94%Median 2.66%90th 3.44%Observations 91
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC146%29th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 37%Median 214%90th 323%Observations 64
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.18%29th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.10%Median 0.40%90th 0.91%Observations 29
ROE
FDIC
NETINC + ROE1.88%29th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.98%Median 5.08%90th 7.06%Observations 29
NIM
FDIC
NIM + NIMY2.62%21st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.40%Median 3.03%90th 3.67%Observations 29
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR87.45%36th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 66.90%Median 84.37%90th 96.65%Observations 29
Deposits YoY
FDIC
DEP+0.08%36th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.10%Median +2.41%90th +9.42%Observations 29
Loans YoY
FDIC
LNLSNET+1.66%36th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.34%Median +3.12%90th +9.45%Observations 29
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.16%68th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.34%90th 1.82%Observations 29
Leverage
FDIC
RBC1AAJ10.47%54th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.47%Median 10.21%90th 12.84%Observations 29
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.02%18th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.92%Median 2.66%90th 3.10%Observations 29
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC146%15th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 132%Median 199%90th 305%Observations 14
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.