# PENTUCKET BANK
HAVERHILL, MA · FDIC certificate 90208 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.12B | |
| Deposits | $877.9M | |
| Loans and leases | $899.8M | |
| Total equity | $119.8M | |
| Loans / deposits | 101.42% (p88 of band) | 87.10% |
| Liquid assets / assets | 14.33% (p20 of band) | |
| Uninsured deposits / deposits | 33.82% (p58 of band) | 30.76% |
| Brokered deposits | 3.57% | |
| Wholesale funding | 13.01% (p74 of band) | |
| FHLB advances / assets | 9.44% | |
| Tier 1 leverage | 11.67% (p72 of band) | 10.50% |
| Unrealized securities loss / equity | -36.07% (p6 of band) | -7.75% |
| AOCI / equity | -0.11% (p65 of band) | |
| ROA (annualized) | 0.74% (p17 of band) | 1.26% |
| Net interest margin | 2.77% (p9 of band) | 3.70% |
| Efficiency ratio | 84.38% (p96 of band) | |
| Noncurrent loans | 0.79% (p65 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p54 of band) | |
| Reserve coverage of noncurrent | 132.53% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 25.52% (p24 of band) | |
| Auto loans | $375,000 (0.04% of loans; DQ 2.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 116 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 0 |  | reserve under noncurrent, capital falling |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | expense ratio p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | reserve under noncurrent |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | deposits shrinking |  |
| 2016-06 | 1 |  | deposits shrinking |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | expense ratio p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | capital falling, expense ratio p90 |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | capital falling, losing money |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 1 |  | capital falling, losing money |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | securities losses >30% of equity | expense ratio p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | losing money |  |
| 2022-06 | 4 | capital falling, charge-offs p90 |  |
| 2022-09 | 2 |  | capital falling, charge-offs p90 |
| 2022-12 | 1 |  | losing money |
| 2023-03 | 2 | expense ratio p90 |  |
| 2023-06 | 1 |  | expense ratio p90 |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 5 | loans exceed deposits, expense ratio p90, NIM <2.5% |  |
| 2024-06 | 6 | wholesale funding >15% |  |
| 2024-09 | 5 |  | wholesale funding >15% |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 3 |  | capital falling, loans exceed deposits |
| 2025-09 | 3 | loans exceed deposits | NIM <2.5% |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-22 [Glenn Joins Pentucket Bank Board - WHAV](https://news.google.com/rss/articles/CBMibkFVX3lxTE1SUHBCc3pSQm4tb3lSRTQtS1RSMk9Ib0xoUlR5a3VfbDFObzU1T256ZWR6cERQdm5LcTFZWk9MS1JFZ0Y4cTgxNXJBemVIOHBYWGhIS052ZmtRaHdoWVdUal83d1RJSV9JN19EZ3RB?oc=5) · WHAV
- 2026-04-22 [Local bank taps community college president for board seat - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNcS1UdmM3QmN4aWp5TXVhR1JqX0VBTXk1cG5oX0RpZEJ5WGoyVXpTNXRHdk5FZ2xBekszZmlqeV9zajRrd3hhSk9FOWk5bUE0N2hkTkFUdjFNMkxMV2xLLUNMY1dXZENTUDVySDJoR1F4RUR2REhUcEQ3bjFXLWJBZ0tsU1RVVi1rcVZuenIxc05BdC14ZWxRWXM2akkyNkR6YnA4UVVGcExYQQ?oc=5) · The Business Journals
- 2026-05-14 [Pentucket Bank back in downtown Haverhill - Eagle-Tribune](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPZXFZdW9xMXJmOXk2ZlFyeWtUQzJkS3dUTXdOSG1Pdkl0djE4X0dWdlZDdE9qYjBpaU1Hbm5ZQzFoaVhiQTNNdFBOZmUwY0IyeU5jTFEydURzSTdfd2lpb3VxUlVRMXlyN0wxdHQxRE10cHMzaGM4R3VuSVBqbTdwLWFqSWotLUxQM0QwNVVyUWRkNVZYYVVKVHE3NmFCVnkxNl91bGRyWjRtV1gzVG5IYjZaT3JZQ1p2bVNUT2tSSTdXWm1HUzF3aEs0Rl9GejFq?oc=5) · Eagle-Tribune
- 2026-06-09 [Pentucket Bank Dedicates New Downtown Office, Notes History - WHAV](https://news.google.com/rss/articles/CBMikAFBVV95cUxPX2JMakVyYmpqeDQ5TmRWckxaQ0dCc0dJcF9kTWtTR05mNUNZMkxsQnRXSkNITlo1eVM2V2FzbWtVWGtaRERoSWVoMkFXanVrSDFyUWY1enZwS1dmZ05rS1R3TzUtZ1pCRjNYVnJEcnU4eUVleTE2LTFDS1ZtMFVFa0Z3NEhZckdheE9NRm9vbnk?oc=5) · WHAV
- 2026-03-24 [New Downtown Pentucket Bank Branch Plans April Debut; Garage Also Readies for Opening - WHAV](https://news.google.com/rss/articles/CBMiswFBVV95cUxNajNHRWsyUnZ5eHpXbldMcndraURwcDFXdDFsNVBJY0gyQmo3Z254cGl4N3d4bG03elJrT2ROSHliR2VEMFhacVlJbGg1czBQSXdZbzdMMWRIRWs4ZW5qQXdzUl9aNlh3VFIzeU9uNkJsM0ExWTNOTGZYZmtMT1JiSnA1aUNYdGMzaTl2cEpTY1FOUkdXSXBCVURsNFR4d3BiU2dZQXhidnBuS0U1Um1UWE9XVQ?oc=5) · WHAV
- 2025-07-01 [Rollstone merger with Newburyport bank finalized, setting stage for its first woman leader - wbjournal.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxQdmNSY01FQzh0M2JuUkN1eXI4ak81Y1VrOUhQbU5zSnl2dU1qMmV6T0YxSjRDdkZEVUFnU3NqXy1CM3ZBU2xoeS01cHhLTFc1eWg0VU9rM3RhVW9VV0xhV05OSHN5TmFrYTd4Wno5cmtfNHVabFNTVzYtR0hEQ2hNczZEelVMUVVFMWZGVjVWbXZrc0lZX25haS1FUzduUlRnNHhEdEpQNnRvYW1uc2Z3cVJwZFJSNVVYd2NLeA?oc=5) · wbjournal.com
- 2019-08-12 [The Buzz Online - Business NH Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE03SlNWZ0lzaUFUQjU3LWtXMUhyc3lXS29LakFTUF9JX3RSMFJFcW1FQ2VKQjVFaGUtQ00yZjVqaVhPeWZvSGl1b0J3aWwyTnpfMzJLSWI4dmFqekFtUUk1UkxPVFpyeUJSNWRkbEhlSmk1S0k2?oc=5) · Business NH Magazine
- 2024-10-08 [Massachusetts mutual bank organization adds third lender - Banking Dive](https://news.google.com/rss/articles/CBMikgFBVV95cUxOaHB3X3RuOEF0WVl6NzlwYUpHMUZORTRYN3FfUlJiYnRxNTNDdjYwLUhyX1EwTW5NRTNPZGdGcnpub0hiY1dQcFIzTVVsa2pkczFzTmswLVBuMFhxMDVZVHRBYk1lUkNWeHhMQTVKMEpra2VPeEZCbjcwdzByX0VneTFVRzFTdExuYmxvWXJuVzZNZw?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90208 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "90208", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide