The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 10 points (67 → 77), mostly because the earnings component improved by 38 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Massachusetts

Yes. Haverhill Bank is an FDIC-insured institution (FDIC certificate #26411). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.1% of deposits ($137.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.94% (benchmark: 10%).

Check how much of your own balance is covered

Haverhill Bank lists 6 offices in 4 cities across 2 states. Most locations:

• Haverhill, MA (3)
• Merrimac, MA (1)
• Salem, NH (1)
• West Newbury, MA (1)

All branch addresses and map

In 2025, Haverhill Bank reported 90 home-loan applications under HMDA (LEI 549300T92XVMWQW75772): 69 originated ($50,505,000 total), 10 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Haverhill Bank

Former names

Haverhill Co-operative Bank

Type

SI

FDIC certificate #

26411

RSSD ID

109574

Primary regulator

FDIC

Holding company

Hb Holdings Mhc

Established

January 1, 1877

Headquarters

180 Merrimack St, Haverhill, MA 01830

Website

www.haverhillbank.com

Employees

66