TellerScore

Pentucket Bank is a si headquartered in Haverhill, Massachusetts, in business for about 135 years. At the end of Q2 2026 it reported $1.1B in total assets and $877.9M in deposits, with 6 offices across 2 states.

Pentucket Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 48th. Problem-loan coverage contributes the most (89/100, 5.5%); funding & liquidity contributes the least (38/100, 101% loans-to-deposits, 34% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Tier 1 leverage ratio: 11.67%
Loan quality74/100
Noncurrent loans ÷ total loans: 0.79%
Earnings50/100
Return on assets (annualized): 0.74%
Funding & liquidity38/100
Loans ÷ deposits and uninsured-deposit share: 101.4% · 33.8% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.49%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (59 → 63), mostly because the earnings component improved by 19 points.

TellerScore
566166Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202461
Q4 202460
Q1 202556
Q2 202559
Q3 202560
Q4 202559
Q1 202660
Q2 202663
Tier 1 leverage ratio
5.00%8.33%11.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.45%
Q3 202411.40%
Q4 202411.34%
Q1 202511.31%
Q2 202511.34%
Q3 202511.37%
Q4 202511.29%
Q1 202611.44%
Q2 202611.67%
Noncurrent loans
0.21%0.54%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.21%
Q3 20240.69%
Q4 20240.73%
Q1 20250.88%
Q2 20250.77%
Q3 20250.70%
Q4 20250.71%
Q1 20260.74%
Q2 20260.79%
Return on assets
0.04%0.39%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.39%
Q4 20240.32%
Q1 20250.04%
Q2 20250.28%
Q3 20250.35%
Q4 20250.35%
Q1 20260.37%
Q2 20260.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$1.1B11.67%0.79%0.74%101.4%
Q1 202660$1.1B11.44%0.74%0.37%101.2%
Q4 202559$1.1B11.29%0.71%0.35%101.0%
Q3 202560$1.1B11.37%0.70%0.35%101.1%
Q2 202559$1.1B11.34%0.77%0.28%99.9%
Q1 202556$1.1B11.31%0.88%0.04%100.0%
Q4 202460$1.1B11.34%0.73%0.32%102.4%
Q3 202461$1.1B11.40%0.69%0.39%102.3%
Q2 202466$1.1B11.45%0.21%0.43%107.3%

897 peers · $1 billion – $10 billion

How it compares with peers

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

Capital ratio11.67%
73rd
Total risk-based capital0.00%
13th
Problem loans0.79%
35th
Net charge-offs0.04%
49th
Return on assets0.74%
16th
Net interest margin2.77%
8th
Efficiency ratio84.4%
4th
Loans to deposits101.4%
12th
Uninsured deposits33.8%
42nd
Loan-loss reserves1.04%
37th
Texas ratio5.5%
34th

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Winchester Savings BankBank Winchester, MA59 out of 100, Moderate$1.1B9.6%0.18%vs
MountainOne BankBank North Adams, MA73 out of 100, Strong$1.1B14.7%1.06%vs
Cape Ann Savings BankBank Gloucester, MA86 out of 100, Very strong$1.1B20.5%0.59%vs
Reading Co-operative BankBank Reading, MA56 out of 100, Moderate$1.2B7.3%0.06%vs
OneLocal BankBank Norwood, MA75 out of 100, Strong$1.1B13.7%0.21%vs
MutualOne BankBank Framingham, MA54 out of 100, Below average$1.2B21.1%5.92%vs

Deposit insurance

Is my money safe at Pentucket Bank?

Yes. Pentucket Bank is an FDIC-insured institution (FDIC certificate #90208). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.8% of deposits ($297.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.67%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pentucket Bank reported 146 home-loan applications under HMDA (LEI 54930061YDWSR567KC82): 112 originated ($49,640,000 total), 17 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.1%, 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.

Identity & history

Profile

Legal name
Pentucket Bank
Former names
Pentucket Five Cents Savings Bank
Type
SI
FDIC certificate #
90208
RSSD ID
635907
Primary regulator
FDIC
Holding company
River Run Bcorp Mhc
Established
January 1, 1891
Headquarters
1 Merrimack St, Haverhill, MA 01830
Employees
116

Quick answers

Pentucket Bank: common questions

Is Pentucket Bank FDIC insured?

Yes. Pentucket Bank is an FDIC-insured institution (FDIC certificate #90208). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pentucket Bank's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Pentucket Bank ever failed?

There is no failure record for FDIC certificate #90208 in the FDIC failed bank list.

How many branches does Pentucket Bank have?

6 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Haverhill

InstitutionScoreAssetsCapitalProblem loansCompare
New Hampshire Postal Credit UnionCredit union Manchester, NH100 out of 100, Very strong$68.5M22.6%0.03%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Danvers Municipal Federal Credit UnionCredit union Danvers, MA91 out of 100, Very strong$8.2M39.0%0.00%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Lynn Firemens Federal Credit UnionCredit union Lynn, MA89 out of 100, Very strong$20.1M19.6%0.38%vs