Haverhill Bank

Headquarters: Haverhill, Massachusetts
Charter: Bank
Assets: $636.8M
Fed district: Boston
Regulator: FDIC
Holding company: Hb Holdings Mhc

11 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 1, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 1, 2026

How these figures are measured

Call-report figures are for Haverhill Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Haverhill Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Haverhill Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $138K in Q2 2026, 8.7% above the same quarter a year earlier ($127K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Haverhill Bank: $30
Haverhill Bank: $30
U.S. median: no median
Non-Network ATM
Haverhill Bank: $0.75
Haverhill Bank: $0.75
U.S. median: no median
Stop Payment
Haverhill Bank: $30
Haverhill Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Massachusetts, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Massachusetts: Banks and credit unions headquartered in Massachusetts that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 4.8% from Q3 2025 to Q2 2026, to $138K.

Service-charge income, Q2 2026

$138K

$145KQ3 2025

$146KQ4 2025

$128KQ1 2026

$138KQ2 2026

Against the median

Haverhill BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Haverhill Bank · $637M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 13 states.

Banks only
$622M to $651M in assets
Headquartered in 13 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Haverhill Bank(this institution)	Haverhill, MA	$637M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
American State Bank	Arp, TX	$638M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank & Trust Company	Litchfield, IL	$641M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Century Savings Bank	Vineland, NJ	$635M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community First Bank	Boscobel, WI	$634M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers & Merchants Bank of Colby	Colby, KS	$651M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Eagle Bank	Chicago, IL	$650M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank of Louisiana	Crowley, LA	$631M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Port City Bank	Bainbridge, GA	$624M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
FNBT BANK	Fort Walton Beach, FL	$629M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
High Plains Bank	Flagler, CO	$643M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Home Federal Bank	Shreveport, LA	$644M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Legence Bank	Eldorado, IL	$643M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Legends Bank	Linn, MO	$636M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Modern Bank, National Association	New York, NY	$649M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Quaint Oak Bank	Southampton, PA	$631M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Southeastern Bank	Darien, GA	$625M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Spring Bank	Bronx, NY	$641M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Stockmens Bank	Colorado Springs, CO	$651M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Tescott	Tescott, KS	$648M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Carmi	Carmi, IL	$622M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The State National Bank of Big Spring	Big Spring, TX	$640M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tioga State Bank National Association	Spencer, NY	$625M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
TrustBank	Olney, IL	$640M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Walpole Co-operative Bank	Walpole, MA	$646M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Woodlands Bank	Williamsport, PA	$640M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Haverhill Bank does not publish a monthly maintenance fee in the index.

The peer median is $6.75 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Haverhill Bank does not publish a monthly maintenance fee, so it is not on this chart.

Haverhill BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Haverhill Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $138K
vs prior quarter: +$10K+7.8%; from Q1 2026
vs a year earlier: +$11K+8.7%; from Q2 2025
vs start of range: −$7K−4.8%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Haverhill Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$138K	+$10K	+7.8%
Q1 2026	$128K	−$18K	−12.3%
Q4 2025	$146K	+$1K	+0.7%
Q3 2025	$145K	+$18K	+14.2%
Q2 2025	$127K	−$3K	−2.3%
Q1 2025	$130K	−$11K	−7.8%
Q4 2024	$141K	−$4K	−2.8%
Q3 2024	$145K	+$10K	+7.4%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Haverhill Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly fixed charge if the balance falls below on any given day during the statement$10
per month
Dormant Account$2
per month
Excess Transaction Fee$5
per item

Overdraft & NSF

Insufficient or Uncollected funds – per item or EFT paid, also known as - Overdraft Fee$30
per item
Overdraft transfer fee (from another deposit account)$3

ATM & Card

Balance Inquiry at any other location$0.75
Replacement Card$15

Check Services

Stop Payment Request$30
per item
Foreign Check Collection$25

Digital & Electronic

Bill Payment$12.95
Expedited Bill Payment (check)$9.95
Online Banking and Bill PayNo charge

Retirement & IRA

IRA annual fixed chargeNo charge
per year

Fee	Amount	Basis	Note
Account Maintenance
Monthly fixed charge if the balance falls below on any given day during the statement	$10	per month	None
Dormant Account	$2	per month	None
Excess Transaction Fee	$5	per item	None
Overdraft & NSF
Insufficient or Uncollected funds – per item or EFT paid, also known as - Overdraft Fee	$30	per item	None
Overdraft transfer fee (from another deposit account)	$3	Not stated	None
ATM & Card
Balance Inquiry at any other location	$0.75	Not stated	None
Replacement Card	$15	Not stated	None
Check Services
Stop Payment Request	$30	per item	None
Foreign Check Collection	$25	Not stated	None
Digital & Electronic
Bill Payment	$12.95	Not stated	None
Expedited Bill Payment (check)	$9.95	Not stated	None
Online Banking and Bill Pay	No charge	Not stated	None
Retirement & IRA
IRA annual fixed charge	No charge	per year	None

Correct a fee source

Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Haverhill Bank's safe deposit box changes in our data

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