BlastPoint's Banking Scorecard
Haverhill Bank
Community
Specialty: Commercial
MA
FDIC cert 26411
Haverhill, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Haverhill Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5% in Community
- - Liquidity Strain: Bottom 7% in Community
- - Credit Quality Pressure: Bottom 20% in Community
- - Net Interest Margin 1.22% below tier
- - Efficiency Ratio 26.09% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$636.3M
+3.2% YoY
-0.2% QoQ
|
-$755.1M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$470.0M
+2.1% YoY
-1.0% QoQ
|
-$505.4M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$520.4M
+2.4% YoY
+0.9% QoQ
|
-$644.2M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
0.91%
+82.8% YoY
+5.9% QoQ
|
-0.26% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
2.44%
+15.1% YoY
+2.9% QoQ
|
-1.22% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
88.72%
-9.3% YoY
-2.7% QoQ
|
+26.09% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.16%
+166.3% YoY
+142.7% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
90.32%
-0.3% YoY
-1.9% QoQ
|
+7.26% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
19.65%
+5.7% YoY
+6.2% QoQ
|
-1.40% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.12%
+163.4% YoY
+140.8% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
13.72%
+2.7% YoY
+2.2% QoQ
|
+3.48% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.22%
-3.1% YoY
+37.1% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Credit Risk Growth
risk
#36 of 642 · Bottom 5% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#39 of 513 · Bottom 7% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.32%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#163 of 808 · Bottom 20% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Net Interest Margin
metric
Bottom 5%
in Community
Why this stands out
Current:
2.44%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
88.72%
(Tier avg: 62.63%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.72% · Tier avg: 10.24%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.65% · Tier avg: 21.05%
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.32% · Tier avg: 83.06%
32
32th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
26
26th pctile
Total Loans
Current: $470.0M · Tier avg: $975.5M
19
19th pctile
Total Assets
Current: $636.3M · Tier avg: $1.4B
16
16th pctile
Total Deposits
Current: $520.4M · Tier avg: $1.2B
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
5
5th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.66%
4
4th pctile
Efficiency Ratio
Current: 88.72% · Tier avg: 62.63%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 88.72% · Tier avg: 62.63%
5
5th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.66%
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
16
16th pctile
Total Deposits
Current: $520.4M · Tier avg: $1.2B
19
19th pctile
Total Assets
Current: $636.3M · Tier avg: $1.4B
26
26th pctile
Total Loans
Current: $470.0M · Tier avg: $975.5M
32
32th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.32% · Tier avg: 83.06%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.65% · Tier avg: 21.05%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.72% · Tier avg: 10.24%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%