Haverhill Bank

180 Merrimack Street
Haverhill, MA 01830

Notable Rates APY Vs.Others
Savings 0.05% 2.30% →
1-Year CD 1.76% 2.25% →
2-Year CD 2.17% 2.50% →
5-Year CD 2.53% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Haverhill Bank is an FDIC insured institution located in Haverhill, MA. It was founded in 1877 and has approximately $0.41 billion in assets. Customers can open an account at one of its 10 branches.

FDIC Insured Yes
FDIC Certificate # 26411
Date Established 1877
Assets $0.41 billion
Loans $0.31 billion
Deposits $0.34 billion
Capital $0.04 billion

For a more detailed analysis of Haverhill Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 7, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,000 $9,999 Learn MoreShow Less
Money Market
0.25% $10,000 $49,999 Learn MoreShow Less
3 Mo CD
0.15% $500 - Learn MoreShow Less
6 Mo CD
0.55% $500 - Learn MoreShow Less
12 Mo CD
1.76% $500 - Learn MoreShow Less
18 Mo CD
1.87% $500 - Learn MoreShow Less
24 Mo CD
2.17% $500 - Learn MoreShow Less
30 Mo CD
2.02% $500 - Learn MoreShow Less
36 Mo CD
2.27% $500 - Learn MoreShow Less
60 Mo CD
2.53% $500 - Learn MoreShow Less

Fixed IRA
1.87% $10 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.87% $10 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $10 - Learn MoreShow Less
Checking Rates APY MIN FEE
Rewards Checking 0.65% $0 $0.00 Learn MoreShow Less
Free Regular Checking 0.00% $0 $0.00 Learn MoreShow Less
NOW Checking 0.00% $400 $0.00 Learn MoreShow Less

Loan Rates - December 7, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Haverhill Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
NMLS ID: 2890
License#: 13256
3.625% 3.625% 0.00 ($65) $1,141 Learn More
First Internet Bank
NMLS ID: 424182
3.626% 3.625% 0.00 $42 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info

Note to Haverhill Bank
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Haverhill Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Haverhill Bank Locations

Financial Details

Haverhill Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Haverhill Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Haverhill Bank U.S. Bank Average
0.95% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Haverhill Bank had $454,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $44,654,000 in equity and $3,026,000 in loans loss reserves. That gives it a Texas Ratio of 0.95%.

Return on Equity
Haverhill Bank U.S. Bank Average
6.12% 9.50%

Haverhill Bank has a Return on Equity of 6.12% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Haverhill Bank U.S. Bank Average
11.01% 12.76%

Haverhill Bank has a Capitalization of 11.01% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Haverhill Bank Balance Sheet Analysis

As of June 30, 2019, Haverhill Bank had assets of $405,642,000, loans of $305,957,000, and deposits of $336,914,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.07 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.31 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.36 billion
Total deposits $0.34 billion
      Interest-bearing deposits $0.28 billion
      Deposits held in domestic offices $0.34 billion
      % insured (estimated) 83.25%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.36 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Haverhill Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, Haverhill Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 64.52
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 5.58
Construction and Development Loans 10.36
Commercial Real Estate 11.47
Commercial and Industrial Loans 12.63
Farm Loans 0.00

Frequently Asked Questions About Haverhill Bank

Branches and Savings

Is Haverhill Bank FDIC insured?

Yes. It is covered under FDIC Certificate #26411.

Why does Haverhill Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Haverhill Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Haverhill Bank a commercial bank?


Where are Haverhill Bank locations?

See branch locations nearby.

Is Haverhill Bank open on Saturdays?

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Are Haverhill Bank ATMs Open 24/7?

Do Haverhill Bank ATMs accept cash deposits?

Can Haverhill Bank customers use other ATMs?

Do Haverhill Bank branches have notaries?

Will Haverhill Bank notarize my document?

What address for Haverhill Bank should I put for incoming ACH transfers?

Will the Haverhill Bank branch print checks?

Do Haverhill Bank checks expire?

Does Haverhill Bank require US citizenship to open account?

Can Haverhill Bank close my account?

Does Haverhill Bank Report to credit bureaus?

Does Haverhill Bank Use Equifax?

What is Haverhill Bank's ACH Routing Number?

What is Haverhill Bank's SWIFT code?


Does Haverhill Bank offer mortgages?

Compare mortgage rates here.

Does Haverhill Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Haverhill Bank offer personal loans?

Compare personal loan rates here.

Does Haverhill Bank offer student loans?

Will Haverhill Bank cash a check?

Will Haverhill Bank redeem a savings bond?

Does Haverhill Bank cash savings bonds?

Will Haverhill Bank cash money orders?

Can Haverhill Bank issue a money order?

Does Haverhill Bank do currency exchange?

Background on The Bank

Who owns Haverhill Bank?

How long has Haverhill Bank been around?

Can Haverhill Bank transfer to other banks?

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Will Haverhill Bank accept loose change?

Where is Haverhill Bank headquarters?

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