What are the current interest rates at Pentucket Bank?

Current rates for Pentucket Bank include: 12-Month CD: 3.75%, 18-Month CD: 3.25%, 24-Month CD: 3.75%, 36-Month CD: 3.25%, 48-Month CD: 3.25%, 60-Month CD: 3.25%, Savings: 0.12%, MMA: 1.31%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Banks›
Pentucket Bank

iAdvertiser Disclosure

Pentucket Bank Rates & Review October 2026

Q: How many branches does Pentucket Bank operate?

Pentucket Bank currently maintains approximately 6 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, Pentucket 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, Pentucket Bank provides members with tools to manage their accounts and build a solid financial history.

Q: Does Pentucket Bank offer online and mobile banking?

Most modern institutions like Pentucket 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.pentucketbank.com.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Pentucket Bank's top rates as of October 12, 2026 are 4.25% APY on its 20-Month Certificate of Deposit Special, 0.12% APY on savings, 1.31% APY on money market accounts, 5.00% APY on checking, 7.00% on its 40 Year Mortgage, and personal loans from 5.00% APR, according to rates verified by MonitorBankRates. Other Pentucket Bank CD rates include 10-Month Certificate of Deposit Special at 4.05%, 5-Months 5-Month Certificate of Deposit Special at 4.00%, and 12-Months 12-Month Certificate of Deposit at 3.75%. MonitorBankRates evaluates the financial stability of Pentucket Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.92%. Rates last updated and verified on 10/12/2026.

Pentucket 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 Pentucket Bank? Share your experience about Pentucket Bank by leaving a review below, or read customer reviews before you decide to use Pentucket Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.92%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Pentucket Bank

1 Merrimack St
Haverhill, MA 01830

https://www.pentucketbank.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Pentucket Bank CD Rates

Product	Rate	APY	Term
20 Month Certificate of Deposit Special	4.16%	4.25%	20 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
10 Month Certificate of Deposit Special	4.04%	4.05%	10 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75% Oct 8, 20264.05%▲ from 3.75% Sep 24, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
5 Month Certificate of Deposit Special	3.95%	4.00%	5 months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 8, 20264.00%▲ from 3.70% Sep 24, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
12 Month Certificate of Deposit	3.68%	3.75%	12 months
Min Deposit $500 Details Open Online (Opens in a new Window) Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
12 Month IRA Certificate of Deposit	3.68%	3.75%	12 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
24 Month Certificate of Deposit	3.68%	3.75%	24 months
Min Deposit $500 Details Open Online (Opens in a new Window) Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
24 Month IRA Certificate of Deposit	3.68%	3.75%	24 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
18 Month Certificate of Deposit	3.20%	3.25%	18 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
18 Month IRA Certificate of Deposit	3.20%	3.25%	18 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
3 Month Certificate of Deposit	3.21%	3.25%	3 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
36 Month Certificate of Deposit	3.20%	3.25%	36 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
36 Month IRA Certificate of Deposit	3.20%	3.25%	36 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
48 Month Certificate of Deposit	3.20%	3.25%	48 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
48 Month IRA Certificate of Deposit	3.20%	3.25%	48 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
6 Month Certificate of Deposit	3.22%	3.25%	6 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
60 Month Certificate of Deposit	3.20%	3.25%	60 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
60 Month IRA Certificate of Deposit	3.20%	3.25%	60 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
9 Month Certificate of Deposit	3.24%	3.25%	9 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Pentucket Bank Savings Rates

Product	Rate	APY	View More
Statement Savings	0.12%	0.12%
Min Deposit $10 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.12% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Pentucket Bank Money Market Rates

Product	Rate	APY
Money Market	1.30%	1.31%
Min Deposit $10 Min Balance $1,000 Details Balance: $500,000.00+ Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.31% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Money Market	1.20%	1.21%
Min Deposit $10 Min Balance $1,000 Details Balance: $50,000.00-$99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.21% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Money Market	1.15%	1.16%
Min Deposit $10 Min Balance $1,000 Details Balance: $10,000.00-$24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.16% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Money Market	1.12%	1.13%
Min Deposit $10 Min Balance $1,000 Details Balance: $1,000.00-$9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.13% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Pentucket Bank Checking Rates

Product	Rate	APY
Rewards Checking	4.88%	5.00%
Min Deposit $10 Details Balance: $0-$15,000.00 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 5.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Rewards Checking	-	5.00%
Details Qualifications Required; Interest-bearing account; Foreign ATM fees can be reimbursed up to $20 per statement cycle; Surcharge-free withdrawals at SUM network ATMs Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 5.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Lifeline 18/65 Checking	0.01%	0.01%
Min Deposit $10 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Pentucket Bank Mortgage Rates

Product	Rate	Points	APR	Term	View More
40 Year Mortgage	7.00%	0	7.041%	40 years
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 24, 2026 · 6.79% → 7.04% ▲ 0.25 pts · high 7.04% / low 6.79% Oct 3, 20267.04%▲ from 6.92% Oct 1, 20266.92%▲ from 6.79% Sep 24, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Pentucket Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Flex Line of Credit(Interest Only) - 5 Year	6.75%	-	6.75%	5 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Home Equity Flex Line of Credit(Interest Only) - 10 Year	7.00%	-	7.00%	10 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Home Equity Flex Line of Credit(Interest Only) - 15 Year	7.25%	-	7.25%	15 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Pentucket Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.50%	48 Months
Details Additional APR listed for this product: 5.75%. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 5.75% → 5.50% ▼ 0.25 pts · high 5.75% / low 5.50% Oct 8, 20265.50%▼ from 5.75% Sep 16, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
New Vehicles Loan	-	-	5.50%
Details Annual Percentage Rate (APR) as of 10/11/2026 may be as low as 5.50% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based on your credit history, loan amount, and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed auto loan rate reflects a 0.25% reduction in rate for auto-payment from a Pentucket Bank deposit account. Auto loans are only available to Massachusetts, New Hampshire, and Maine residents. Displayed terms are for loans up to 110% loan to value. Vehicle model age must be new (i.e., current calendar year or the coming year). Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Auto Loan	-	-	5.75%	60 Months
Details Additional APR listed for this product: 6.00%. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.00% → 5.75% ▼ 0.25 pts · high 6.00% / low 5.75% Oct 8, 20265.75%▼ from 6.00% Sep 16, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
New Vehicles Loan	-	-	5.75%
Details Annual Percentage Rate (APR) as of 10/11/2026 may be as low as 5.75% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based on your credit history, loan amount, and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed auto loan rate reflects a 0.25% reduction in rate for auto-payment from a Pentucket Bank deposit account. Auto loans are only available to Massachusetts, New Hampshire, and Maine residents. Displayed terms are for loans up to 110% loan to value. Vehicle model age must be new (i.e., current calendar year or the coming year). Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicles Loan	-	-	5.75%
Details Annual Percentage Rate (APR) as of 10/11/2026 may be as low as 5.75% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based on your credit history, loan amount, and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed auto loan rate reflects a 0.25% reduction in rate for auto-payment from a Pentucket Bank deposit account. Auto loans are only available to Massachusetts, New Hampshire, and Maine residents. Displayed terms are for loans up to 110% loan to value. Vehicle model age must be 10 (ten) years or less. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Auto Loan	-	-	6.00%	72 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
New Vehicles Loan	-	-	6.00%
Details Annual Percentage Rate (APR) as of 10/11/2026 may be as low as 6.00% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based on your credit history, loan amount, and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed auto loan rate reflects a 0.25% reduction in rate for auto-payment from a Pentucket Bank deposit account. Auto loans are only available to Massachusetts, New Hampshire, and Maine residents. Displayed terms are for loans up to 110% loan to value. The vehicle model must be new (i.e., current calendar year or the coming year). Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicles Loan	-	-	6.00%
Details Annual Percentage Rate (APR) as of 10/11/2026 may be as low as 6.00% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based on your credit history, loan amount, and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed auto loan rate reflects a 0.25% reduction in rate for auto-payment from a Pentucket Bank deposit account. Auto loans are only available to Massachusetts, New Hampshire, and Maine residents. Displayed terms are for loans up to 110% loan to value. Vehicle model age must be 10 (ten) years or less. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Auto Loan	-	-	11.00%
Details Annual Percentage Rate (APR) as of 10/11/2026 may be as low as 11.00% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based upon your credit history, loan amount and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed rate reflects a discount of 0.25% reduction in rate for auto-payment from a Pentucket Bank deposit account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Pentucket Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loan (<25 ft & <5 tons)	-	9.00%	Up to 10 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Boat Loans	-	9.00%
Details Annual Percentage Rate (APR) as of 10/11/2026 may be as low as 9.00% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based upon your credit history, loan amount and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed rate reflects a 0.25% reduction in rate for auto-payment from a Pentucket Bank deposit account. Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Pentucket Bank Personal Loan Rates

Product	APR	Term
Credit Building Loan	5.00%	12-24 months
Details Annual Percentage Rate (APR) as of 10/11/2026 is 5.00%. To qualify for a loan, the applicant must open a savings account with Pentucket Bank. Credit builder loan terms are available from 12-24 months. Terms and conditions are subject to change without notice. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Unsecured Personal Loan	11.00%	12-48 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Pentucket Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Credit Builder Loan	-	-	5.00%	Up to 24 Months
Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

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

Pentucket Bank’s Texas Ratio rose from 0.68% in Q3 2023 to 5.92% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$1.1B	5.92%	5.0	A+
March 31, 2026	$1.1B	5.70%	5.0	A+
December 31, 2025	$1.1B	5.51%	5.0	A+
September 30, 2025	$1.1B	5.52%	5.0	A+
June 30, 2025	$1.1B	6.07%	5.0	A
March 31, 2025	$1.1B	7.01%	5.0	A
December 31, 2024	$1.1B	5.97%	5.0	A+
September 30, 2024	$1.1B	5.45%	5.0	A+
June 30, 2024	$1.1B	1.74%	5.0	A+
March 31, 2024	$1.0B	1.98%	5.0	A+
December 31, 2023	$1.0B	1.99%	5.0	A+
September 30, 2023	$967M	0.68%	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 Pentucket 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 Pentucket 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 Pentucket Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Pentucket Bank

Bank Holding Company RIVER RUN BCORP MHC

Address 1 Merrimack St, Haverhill, MA 01830 · Essex

Website https://www.pentucketbank.com

FDIC Certificate # 90208

Established 18910101

FDIC Insurance Date 19851008

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.92%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7410%

Return on Equity (ROE) 7.0400%

Non-Performing Loans (NPL) 0.63%

Total Assets $1,121,201,000

Total Deposits $877,930,000

Equity Capital $119,842,000

Net Income $4,132,000

Headquarters Haverhill

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Pentucket Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/pentucket--bank-rates-review-90208">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for Pentucket Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Pentucket Bank

Frequently Asked Questions About Pentucket Bank

How many branches does Pentucket Bank operate?

Pentucket Bank currently maintains approximately 6 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, Pentucket 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, Pentucket Bank provides members with tools to manage their accounts and build a solid financial history.

Does Pentucket Bank offer online and mobile banking?

Most modern institutions like Pentucket 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.pentucketbank.com.