Side-by-side · Q2 2026 data
Haverhill Bank vs Middlesex Federal Savings, F.A.
Metric by metric
| Measure | Haverhill Bank | Middlesex Federal Savings, F.A. |
|---|---|---|
| TellerScore | 77 (stronger) | 65 |
| Capital cushion | 62 (stronger) | 50 |
| Loan quality | 95 | 99 (stronger) |
| Earnings | 81 (stronger) | 25 |
| Funding & liquidity | 55 | 69 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 68th | 29th |
| Total assets | $636.8M | $654.4M |
| Deposits / shares | $507.6M | $576.5M |
| Capital ratio | 11.17% (stronger) | 9.97% |
| Problem loans | 0.14% | 0.04% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.53% (stronger) | 0.14% |
| Loans ÷ deposits | 91.7% | 91.4% (stronger) |
| Uninsured deposits | 27.1% | 14.0% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.3% | 1.3% |
Haverhill Bank has the higher TellerScore (77 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Haverhill Bank leads on 4 and Middlesex Federal Savings, F.A. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.