Side-by-side · Q2 2026 data
Haverhill Bank vs Bay State Savings Bank
Metric by metric
| Measure | Haverhill Bank | Bay State Savings Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 57 |
| Capital cushion | 62 (stronger) | 38 |
| Loan quality | 95 (stronger) | 84 |
| Earnings | 81 (stronger) | 40 |
| Funding & liquidity | 55 (stronger) | 48 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 68th | 14th |
| Total assets | $636.8M | $580.3M |
| Deposits / shares | $507.6M | $513.7M |
| Capital ratio | 11.17% (stronger) | 8.82% |
| Problem loans | 0.14% (stronger) | 0.47% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.53% (stronger) | 0.51% |
| Loans ÷ deposits | 91.7% (stronger) | 94.5% |
| Uninsured deposits | 27.1% (stronger) | 30.5% |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.3% | 21.2% |
Haverhill Bank has the higher TellerScore (77 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Haverhill Bank leads on 7 and Bay State Savings Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.