| Metric | Haverhill Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.9% | -2.3 pts |
| Deposit growth (YoY) | -1.0% | +4.3% | -5.3 pts |
| Loan growth (YoY) | +0.6% | +5.3% | -4.8 pts |
| ROA | 1.53% | 1.28% | +0.2 pts |
| ROE | 15.7% | 12.4% | +3.3 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $636.8M | $507.6M | $465.5M | $64.7M | $4.9M | 1.53% | 2.69% | 0.10% |
| Q1 2026 | $638.1M | $512.7M | $473.6M | $60.3M | $283K | 0.18% | 2.62% | 0.12% |
| Q4 2025 | $636.3M | $520.4M | $470.0M | $60.2M | $5.7M | 0.91% | 2.44% | 0.12% |
| Q3 2025 | $637.7M | $515.8M | $474.8M | $58.1M | $4.0M | 0.86% | 2.37% | 0.05% |
| Q2 2025 | $621.0M | $512.8M | $462.9M | $55.1M | $1.8M | 0.58% | 2.31% | 0.02% |
| Q1 2025 | $621.0M | $512.3M | $465.8M | $52.5M | $-460K | -0.30% | 2.21% | 0.05% |
| Q4 2024 | $616.5M | $508.0M | $460.4M | $51.7M | $3.0M | 0.50% | 2.12% | 0.05% |
| Q3 2024 | $610.2M | $500.6M | $451.1M | $54.8M | $3.6M | 0.81% | 2.11% | 0.06% |
Loan mix (Q2 2026): real estate $437.8M · commercial $29.0M · consumer $2.5M · securities $128.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Haverhill Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.28% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 12.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.69% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 61.2% | 93th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Haverhill Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Haverhill Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Haverhill Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Haverhill Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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