Pentucket Bank

Haverhill, MassachusettsFDIC Cert #90208

STATEEstablished 18916 branches

Holding company: RIVER RUN BCORP MHCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$112M
Investor CRE	$211M
Multifamily	$54.9M
Construction	$34.6M
1–4 family	$416M
C&I	$57.1M
Agriculture	$301K
Other	$12.9M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$898M

+3.9%y/y

Percentile by value32nd percentileby value

FDICLNLSGR

Net loans

$889M

+3.7%y/y

Percentile by value32nd percentileby value

FDICLNLSNET

Loans YoY

+3.72%

−25.3%y/y

Percentile by value37th percentileby value

FDICLNLSNET

L/D

101.2%

+1.2%y/y

Percentile by value88th percentileby value

FDICLNLSNET + DEP

Loans/assets

79.9%

+0.7%y/y

Percentile by value79th percentileby value

FDICLNLSNET + ASSET

RE loans %

95.22%

−1.5%y/y

Percentile by value80th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,952points

−1.3%y/y

Peer standing18th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

12.44%

−10.2%y/y

Percentile by value53rd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

23.45%

+18.9%y/y

Percentile by value66th percentileby value

FDICLNRENROT + LNLSGR

C&I %

6.35%

+7.0%y/y

Percentile by value28th percentileby value

FDICLNCI + LNLSGR