Bank · FDIC insured
Haverhill Bank
A $636.8M bank headquartered in Haverhill, MA, with 6 branches in 2 states. Best rates: CDs 4.25% and savings 0.20% APY.
Haverhill Bank Carrot Score
67
Carrot Score
Higher than 19% of U.S. banks and credit unions
#111 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Haverhill Bank
Haverhill Bank was founded on a people-first philosophy.
- Headquarters
- 180 Merrimack St, Haverhill, MA 01830
- FDIC certificate
- 26411 ↗
Branches
6 branches in 2 states
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Massachusetts
5 branches
- Haverhill BankMain office180 Merrimack St, Haverhill, MA 01830Directions
- Haverhill Branch163 S Main St, Haverhill, MA 01835Directions
- Main Street Haverhill Branch1094 Main St, Haverhill, MA 01830Directions
- West Main Street Branch6 Main Street, Merrimac, MA 01860Directions
- West Newbury Branch281 Main St, West Newbury, MA 01985Directions
New Hampshire
1 branch
- Salem Nh Branch396 Main St, Salem, NH 03079Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.17% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.14% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.53% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $92 | $81 | — |
- CapitalLeverage ratio11.17%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.14%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.53%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$92Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Haverhill Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.