CRA Public File

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.

Public Comments

Written public comments received are available for review.

Performance Evaluation

The Division of Banks and Federal Deposit Insurance Corporation (FDIC) regularly review all financial institutions.

Home Mortgage Disclosure

HMDA Disclosure Statements are available on the Consumer Financial Protection Bureau (CFPB) website: www.consumerfinance.gov/data-research/hmda/

Assessment Area & Map

Haverhill Bank’s facility assessment area includes:

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Products & Services

Haverhill Bank offers a wide variety of both business & personal products and services to meet the needs of the community.

Locations

Additional details on each location can be found on the Branches & Hours page or by clicking on the branch name.

Main Office 
180 Merrimack Street,
Haverhill, MA 01830
Phone (978) 374-0161

Bradford Branch 
163 South Main Street,
Bradford, MA 01835
Phone (978) 374-2600

Rosemont Branch
1094 Main Street,
Haverhill, MA 01830
Phone (978) 556-4200

Merrimac Branch 
6 West Main Street,
Merrimac, MA 01860
Phone (978) 346-8174

Salem, N.H. Branch 
396 Main Street,
Salem, NH 03079
Phone (603) 870-9567

West Newbury 
281 Main Street,
West Newbury, MA 01985
Phone (978)363-5294

Fee Schedules

Additional product terms and conditions can be found on our Fees & Disclosures page. 

Loan to Deposit Ratio

Below indicates the most recent overall loan-to-deposit ratios and a breakout specific to New Hampshire.

DateTotal Bank*New Hampshire**
12/31/2389.14%89.85%
9/30/2388.57%89.29%
6/30/2387.35%88.05%
3/31/2384.52%85.21%
12/31/2282.34%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.

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