Side-by-side · Q2 2026 data
Haverhill Bank vs Milford Federal Bank
Metric by metric
| Measure | Haverhill Bank | Milford Federal Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 67 |
| Capital cushion | 62 | 69 (stronger) |
| Loan quality | 95 (stronger) | 87 |
| Earnings | 81 (stronger) | 33 |
| Funding & liquidity | 55 | 58 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 68th | 34th |
| Total assets | $636.8M | $545.1M |
| Deposits / shares | $507.6M | $451.5M |
| Capital ratio | 11.17% | 11.94% (stronger) |
| Problem loans | 0.14% (stronger) | 0.40% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.53% (stronger) | 0.33% |
| Loans ÷ deposits | 91.7% (stronger) | 102.7% |
| Uninsured deposits | 27.1% | 7.9% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.3% | 12.3% |
Haverhill Bank has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Haverhill Bank leads on 5 and Milford Federal Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.