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Haverhill Bank

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Haverhill Bank Rates & Review September 2026

Q: How many branches does Haverhill Bank operate?

Haverhill Bank currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Haverhill Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Haverhill Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Haverhill Bank's Auto Loan Rates are as low as 14.50%. MonitorBankRates evaluates the financial stability of Haverhill Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.02%. Rates last updated and verified on 09/23/2026.

Haverhill Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Haverhill Bank? Share your experience about Haverhill Bank by leaving a review below, or read customer reviews before you decide to use Haverhill Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.02%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Haverhill Bank

180 Merrimack St
Haverhill, MA 01830

https://www.haverhillbank.com

Haverhill Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity	6.75%	-	6.75%	5 Years
Details Minimum loan amount of $20,000 to a maximum of $250,000. The combined cumulative loan-to-value not to exceed secondary market guidelines. Additional restrictions and conditions may apply. Last Updated 09/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Fixed Rate Home Equity	6.88%	-	6.88%	10 Years
Details Minimum loan amount of $20,000 to a maximum of $250,000. The combined cumulative loan-to-value not to exceed secondary market guidelines. Additional restrictions and conditions may apply. Last Updated 09/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Fixed Rate Home Equity	7.00%	-	7.00%	20 Years
Details Minimum loan amount of $20,000 to a maximum of $250,000. The combined cumulative loan-to-value not to exceed secondary market guidelines. Additional restrictions and conditions may apply. Last Updated 09/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Haverhill Bank Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Unsecured Loan with Auto Pay	14.50%	-	14.50%	36 Months
Details Loan Amounts: $3,000 - $5,000; Term: 12-36 months fully amortized. Last Updated 09/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Haverhill Bank Personal Loan Rates

Product	APR	Term	View More
Unsecured Loan with Auto Pay	14.50%	36 Months
Details Loan Amounts: $3,000 - $5,000; Term: 12-36 months fully amortized. Last Updated 09/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Haverhill Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Equity Builder Program Loan	6.25%	0	6.84%	30 Years
Details For qualified first time homebuyers only, subject to credit approval. Down payment/closing cost assistance available for owner occupied single family and 1-4 family homes, including qualified condominiums. Eligible applicants may not earn more than 80% of the area median income based on subject property address and must complete a homebuyer counseling education program administered by an agency designated by FHLB; see a Mortgage Originator for details. Private Mortgage Insurance (PMI) is required on all loans with a loan-to-value ratio greater than 80%. Maximum loan amounts apply based on conforming loan limits. Down payment/closing cost availability is not guaranteed as funds are accessed through an enrollment pool on a first-come, first-served basis. Last Updated 09/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Haverhill Bank’s Texas Ratio stayed near 0.84% in Q3 2023 to 1.02% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$637M	1.02%	5.0	A+
March 31, 2026	$638M	1.26%	5.0	A+
December 31, 2025	$636M	1.27%	5.0	A+
September 30, 2025	$638M	0.55%	5.0	A+
June 30, 2025	$621M	0.17%	5.0	A+
March 31, 2025	$621M	0.53%	5.0	A+
December 31, 2024	$616M	0.54%	5.0	A+
September 30, 2024	$610M	0.64%	5.0	A+
June 30, 2024	$601M	0.49%	5.0	A+
March 31, 2024	$594M	0.42%	5.0	A+
December 31, 2023	$592M	0.49%	5.0	A+
September 30, 2023	$578M	0.84%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Haverhill Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Haverhill Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Haverhill Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Haverhill Bank

Bank Holding Company HB HOLDINGS MHC

Address 180 Merrimack St, Haverhill, MA 01830 · Essex

Website https://www.haverhillbank.com

FDIC Certificate # 26411

Established 18770101

FDIC Insurance Date 19851024

Domestic Offices 7

Total Branches 7

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.02%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5254%

Return on Equity (ROE) 15.7400%

Non-Performing Loans (NPL) 0.10%

Total Assets $636,836,000

Total Deposits $507,639,000

Equity Capital $64,726,000

Net Income $4,859,000

Headquarters Haverhill

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Haverhill Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/haverhill-bank-rates-review-26411">
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Haverhill Bank

How many branches does Haverhill Bank operate?

Haverhill Bank currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Haverhill Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Haverhill Bank provides members with tools to manage their accounts and build a solid financial history.

Does Haverhill Bank offer online and mobile banking?

Most modern institutions like Haverhill Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.haverhillbank.com.