Public Comments
Written public comments received are available for review.
As the oldest cooperative bank in Massachusetts, Haverhill Bank is proud to meet the needs of the communities we serve. The Massachusetts Commissioner of Banks and the Federal Deposit Insurance Corporation (FDIC) regularly evaluate our records for safe and sound operations of meeting the credit needs of this area. Details on the Bank's CRA Public File are available below for review. Please contact us with any questions.
Written public comments received are available for review.
The Division of Banks and Federal Deposit Insurance Corporation (FDIC) regularly review all financial institutions.
HMDA Disclosure Statements are available on the Consumer Financial Protection Bureau (CFPB) website:
www.consumerfinance.gov/data-research/hmda/
Haverhill Bank's facility assessment area includes:
Click image to view larger
Haverhill Bank offers a wide variety of both business & personal products and services to meet the needs of the community.
Additional details on each location can be found on the Branches & Hours page or by clicking on the branch name.
Main Office | Bradford Branch | Rosemont Branch |
Merrimac Branch | Salem, N.H. Branch | West Newbury |
Below indicates the most recent overall loan-to-deposit ratios and a breakout specific to New Hampshire.
| Date | Total Bank Loan-to-Deposit Ratio* | New Hampshire Loan-to-Deposit Ratio** |
|---|---|---|
| 12/31/23 | 89.14% | 89.85% |
| 9/30/23 | 88.57% | 89.29% |
| 6/30/23 | 87.35% | 88.05% |
| 3/31/23 | 84.52% | 85.21% |
| 12/31/22 | 82.34% | 83.03% |
* Haverhill Bank uses the Uniform Bank Performance Report (UBPR) method for the Loan-to-Deposit calculation.
**Haverhill Bank uses the Host State method for the Loan-to-Deposit calculation.