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Pentucket Bank Charitable Foundation Inc at a glance

· Private foundation

Pentucket Bank Charitable Foundation Inc

Its FY2025 filing reports that it funds preselected organizations and did not take unsolicited requests; check the foundation's own site before ruling it out.

$439k
Granted FY2025still arriving
40
Grants FY2025still arriving
3
States reached
$40k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
05Through PlinthRead
01What it funds
0187% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2017 to 2025.

Youth Development$213kHuman Services$194kEducation$180kHousing & Shelter$117kArts & Culture$90kFood & Nutrition$87kCommunity Improvement$76kReligion$62kOther$0
02FY2025 · 40 grants

Where the money goes

Grants by size, and the largest recipients.

By grant size · FY2025

  • Under $10k22 grants · $97k
  • $10k–50k18 grants · $342k
$7,500
Median grant
3
States reached
$3.7M
Total assets
Largest grants
RecipientAmount
EMMAUS INC$40,000
OUR NEIGHBORS TABLE$37,500
HAVERHILL BOYS & GIRLS CLUB$33,333
MERRIMACK VALLEY YMCA$25,000
WAYSTONE HEALTH & HUMAN SERVICES$25,000
LIZ MURPHY OPEN HAND PANTRY$25,000
SALEM SCHOOL DISTRICT$25,000
HAVERHILL'S BRIGHTSIDE$21,000
NORTHERN ESSEX COMMUNITY COLLEGE$12,500
ESSEX COUMMUNITY HABITAT FOR HUMANITY$12,500
LAWRENCE COMMUNITY WORKS$12,500
SALEM BOYS & GIRLS CLUB$12,500
MILL CITIES COMMUNITY INVESTMENTS$10,000
PROJECT HOME AGAIN$10,000
CREATIVE HAVERHILL$10,000
02The need
03

Does the money reach high-need areas?

Each grant placed by the hardship in its grantee’s ZIP, against the area’s typical level.

show:

Its human-services grants (FY19–25, $137k) land where the poverty rate runs at 10%, against an area that typically sits at 7%. 100% of those dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 7%FAMILY SERVICES OF THE MERRIMACK VALLEY: $10k → 10%MISSION OF DEEDS: $5k → 8%URBAN BRIDGES: $3k → 10%YMCA OF THE NORTH SHORE INC: $5k → 10%WAYSTONE HEALTH & HUMAN SERVICES: $25k → 10%OUR NEIGHBORS TABLE: $38k → 10%EMMAUS INC: $40k → 10%EMMAUS INC: $7k → 10%SARAH'S PLACE ADULT DAY HEALTH #203: $3k → 10%EMMAUS: $3k → 10%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount
How this is measured
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty line in the grantee’s ZIP, averaged from the tracts in that ZIP.
How this is measured
US grants placed by each grantee’s ZIP, which can differ from where services are delivered. Need from public data (U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA), shown as context about the area, never attributed to the funder’s giving.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

37%of every dollar goes to organizations it has funded before.
$658k · 31 repeat orgs$1.1M to everyone else

Grantees it renews have grown median revenue +32% since the first grant, against +22% for those funded once.

31 repeat relationships: 16 still active in FY2025, 15 since wound down; 24 grantees were first funded in FY2025 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

31
86

Total granted

$658k
$860k

Median revenue growth · since first grant

+32%
+22%

Still filing today

48%
20%

New vs renewed · share of each year

In FY2025, 36% of grant dollars renewed an existing relationship; $282k went to new ones.

50%100%’17’18’19’20’21’22’23’24’25
RenewedFirst-time

Where new relationships form · theme of each grantee’s first grant

’17’18’19’20’21’22’23’24’25
Human ServicesEducationHousing & ShelterYouth DevelopmentFood & NutritionCommunity ImprovementOther
How this is measured
First-time means a grantee’s first year in the filing window; renewed means funded in an earlier year too. The renewed share climbs naturally as a portfolio matures, so the signal is a year that bucks it (a wave of new grantees). The earliest year is left-censored: relationships that predate the data read as new. Theme is the grantee’s IRS cause.

Backed again, and grew

  • UI
    UTEC Inc
    2× · 2021–2023 · $65k · revenue +19%
  • MV
    MERRIMACK VALLEY YOUNG MEN'S CHRISTIAN ASSOCIATION INC
    5× · 2018–2025 · $65k · revenue +36%
  • EMMAUS INC
    6× · 2017–2025 · $57k · revenue +48%

Funded once

  • TC
    Total Contributions Paid
    one grant, 2024 · $395k
  • CO
    CITY OF HAVERHILL - EJC SCHOLARSHIP
    one grant, 2021 · $41k
  • IG
    Individual grant recipient
    one grant, 2018 · $25k
How this is measured

Repeat means funded in two or more distinct years. Growth and survival are read from each grantee’s own subsequent IRS filings.

04Its field

Closest unfunded matches

The nonprofits that most resemble its grantees but are not funded by it, scored along the direction from the rest of the field toward the portfolio. A resemblance in what they say they do, not a recommendation.

1
Merrimack Valley Housing Partnership Inc

To promote responsible and sustainable home ownership opportunities for low and moderate income earners by producing comprehensive training and counseling, as well as promoting the use of special mortgage products and down payment…

Housing & Shelter
2
Massachusetts Affordable Housing Alliance Inc

Maha breaks down barriers facing first-time and first-generation home buyers and owners through education, counseling, advocacy, and grassroots organizing.

Housing & Shelter
3
Massachusetts Housing Investment Corporation

Mhic's mission is to be an innovative private financier of afforable housing and community development throughout new england, providing financing that would not otherwise be available, and extending the impact of that financing to ensure…

Housing & Shelter
4
Neighborhood Housing Services of the South Shore Inc

Neighborworks housing solutions provides neighborhood revitalization through promoting, developing and maintaining affordable housing in southeastern massachusetts

Housing & Shelter
5
United Way of Greater New Bedford Inc

Our mission is to mobilize people, partnerships and resources to catalyze change that strengthens the communities served.

—
6
Metropolitan Boston Housing Partnership Inc D/B/a Metro Housing Boston

Metro housing boston mobilizes wide-ranging resources to provide innovative and personalized services that lead families and individuals to housing stability, economic security, and an improved quality of life.

Housing & Shelter
7
Brookview House Inc

Brookview's mission is to help homeless and at risk families learn the skills necessary to break the cycle of homelessness and poverty.

Human Services
8
Buzzards Bay Area Habitat for Humanity Inc

To provide affordable housing to low-income families.

—
9
Neighborhealth Corporation

Neighborhealth's mission is to promote and sustain healthy communities, families, and individuals by providing accessible, person-centered, and compassionate, high-quality health care services to all who live and work in our service area,…

Health
10
Harvard Street Neighborhood Health Center Inc

Harvard street neighborhood health center serves as the primary health resource to our community, through the delivery of comprehensive patient-centered medical care.

Health
11
Northern Berkshire Community Coalition Inc

Improvement in quality of life in northern berkshire county

Community Improvement
12
Coming Home of Middlesex County

The mission of Coming Home is to create a system to end homelessness in Middlesex County by fostering collaborations and public-private partnerships among all stakeholders to ensure that people have a stable place to call home and…

Human Services
How this is measured
The grantee most central to the portfolio’s shape is Community Inroads Inc; the most unlike its peers is Massachusetts Bankers Association Charitable Foundation Inc. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
04the grantee network

49 grantees tracked through their own filings, 2017–2025.

Each grant beside the grantee’s revenue from every source, year by year.

How this is measured

Counted here: distinct organizations funded across 2017 to 2025, not grant rows in a single year, so this will not match the grant count on the cover. 49 of the 142 grantees resolved in that span have returns of their own we could reconcile.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

2
Load-bearing (≥25% of a budget)
13
Early backer (in before they grew)
49/49
Grantees still filing
29/49
Grew since first funded

Where the money sits, by cause and then by grantee

Total Contributions Paid: $395,253 · OtherTotal Contributions PaidE FOR ALL: $50,000 · OtherNORTHERN ESSEX COMMUNITY COLLEGE: $45,000 · Other+109 more: $817,023 · Other+109 moreUTEC Inc: $65,000 · Youth DevelopmentUTEC IncMERRIMACK VALLEY YOUNG MEN'S CHRISTIAN ASSOCIATION INC: $65,000 · Youth DevelopmentMERRIMACK …BOYS & GIRLS CLUB OF GREATER HAVERHILL INC: $26,400 · Youth DevelopmentBOYS & GIR…BOYS & GIRLS CLUB OF GREATER SALEM INC: $6,000 · Youth DevelopmentEMMAUS INC: $57,000 · Human ServicesEMMAUS IN…Our Neighbors' Table Inc: $37,500 · Human ServicesOur Neigh…FIDELITY HOUSE INC: $25,000 · Human ServicesFIDELITY …FAMILY SERVICES OF THE MERRIMACK VALLEY INC: $10,000 · Human ServicesFAMILY SE…YMCA OF THE NORTH SHORE INC: $5,000 · Human Services+3 more: $9,560 · Human Services+3 moreLawrence Partnership Inc: $25,000 · Community ImprovementCommunity Action Inc: $20,700 · Community ImprovementTEAM HAVERHILL INC: $20,000 · Community ImprovementHAVERHILL BRIGHTSIDE: $21,000 · EducationBRADFORD CHRISTIAN ACADEMY INC: $10,000 · EducationNORTHPOINT BIBLE COLLEGE: $7,500 · EducationESPERANZA ACADEMY INC: $7,500 · EducationTRUSTEES OF THE HAVERHILL PUBLIC LIBRARY: $6,639 · EducationNorth Andover Scholarship Foundation Inc: $3,000 · EducationESSEX COUNTY HABITAT FOR HUMANITY INC: $17,500 · Housing & ShelterNECTAR COMMUNITY INVESTMENTS INC: $10,000 · Housing & ShelterHousing Support Inc: $10,000 · Housing & ShelterBETHANY COMMUNITY SERVICES INC: $7,500 · Housing & ShelterLAZARUS HOUSE INC: $5,500 · Housing & ShelterMERRIMACK VALLEY FOOD BANK INC: $10,000 · Food & NutritionBREAD & ROSES INC: $6,000 · Food & NutritionNourishing the North Shore Inc: $5,000 · Food & NutritionSOMEBODY CARES NEW ENGLAND INC: $1,000 · Food & Nutrition
Other$1,307,276Youth Development$162,400Human Services$144,060Community Improvement$65,700Education$55,639Housing & Shelter$50,500Food & Nutrition$22,000

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$100k$1.0M$10M$100Mgrantee revenue →↑ funder's share of their budgetUTEC Inc: $65,000 over 2y, 0.3% of budgetMERRIMACK VALLEY YOUNG MEN'S CHRISTIAN ASSOCIATION INC: $65,000 over 5y, 0.1% of budgetEMMAUS INC: $57,000 over 6y, 0.4% of budgetCREATIVE HAVERHILL INC: $40,000 over 3y, 5.0% of budgetOur Neighbors' Table Inc: $37,500 over 1y, 0.9% of budgetBOYS & GIRLS CLUB OF GREATER HAVERHILL INC: $26,400 over 4y, 0.8% of budgetFIDELITY HOUSE INC: $25,000 over 1y, 0.1% of budgetLawrence Partnership Inc: $25,000 over 5y, 1.1% of budgetHAVERHILL BRIGHTSIDE: $21,000 over 1y, 94% of budgetCommunity Action Inc: $20,700 over 5y, 0.0% of budgetPROJECT HOME AGAIN: $20,000 over 2y, 2.4% of budgetTEAM HAVERHILL INC: $20,000 over 2y, 57% of budgetESSEX COUNTY HABITAT FOR HUMANITY INC: $17,500 over 2y, 0.4% of budgetBOYS & GIRLS CLUB OF GREATER SALEM INC: $11,000 over 1y, 0.9% of budgetBRADFORD CHRISTIAN ACADEMY INC: $10,000 over 1y, 0.4% of budgetFAMILY SERVICES OF THE MERRIMACK VALLEY INC: $10,000 over 1y, 0.1% of budgetNorth Andover Historical Society: $10,000 over 1y, 3.2% of budgetMERRIMACK VALLEY FOOD BANK INC: $10,000 over 1y, 0.1% of budgetBETHANY COMMUNITY SERVICES INC: $7,500 over 1y, 0.3% of budgetNORTHPOINT BIBLE COLLEGE: $7,500 over 2y, 0.1% of budgetESPERANZA ACADEMY INC: $7,500 over 1y, 0.2% of budget21ST CENTURY JOBSKILLS PROJECT: $7,500 over 1y, 5.8% of budgetESSEX COUNTY COMMUNITY FOUNDATION INC: $7,500 over 2y, 0.0% of budgetTRUSTEES OF THE HAVERHILL PUBLIC LIBRARY: $6,639 over 1y, 0.1% of budgetBREAD & ROSES INC: $6,000 over 2y, 0.1% of budgetBOYS & GIRLS CLUB OF GREATER SALEM INC: $6,000 over 1y, 0.2% of budgetCOMMONWEALTH ZOOLOGICAL CORPORATION D/B/A ZOO NEW ENGLAND: $6,000 over 1y, 0.0% of budgetLAZARUS HOUSE INC: $5,500 over 1y, 0.1% of budgetTEK Collaborative Inc: $5,000 over 1y, 2.3% of budgetGRANITE UNITED WAY: $5,000 over 2y, 0.0% of budgetYMCA OF THE NORTH SHORE INC: $5,000 over 1y, 0.0% of budgetSi Se Puede Inc: $3,500 over 1y, 1.2% of budgetNorth Andover Scholarship Foundation Inc: $3,000 over 3y, 1.4% of budgetSARAH'S PLACE ADULT DAY HEALTH CENTER INC: $2,500 over 1y, 0.3% of budgetCOMMUNITY INROADS INC: $2,500 over 1y, 0.8% of budgetOPERATION DELTA DOG INC: $2,500 over 1y, 0.3% of budgetTUFTS MEDICINE CARE AT HOME PARENT INC: $2,500 over 1y, 0.0% of budgetURBAN BRIDGES INC: $2,500 over 1y, 1.9% of budgetNEW ENGLAND HOOPS ACADEMY: $2,000 over 2y, 1.2% of budgetHAVERHILL INNER-CITY BOXING CLUB: $2,000 over 1y, 4.2% of budgetNATIONAL EXCHANGE CLUB 1581 HAVERHILL MA: $1,500 over 1y, 2.5% of budgetMASSACHUSETTS BANKERS ASSOCIATION CHARITABLE FOUNDATION INC: $1,500 over 1y, 0.5% of budgetGREATER LAWRENCE FAMILY HEALTH CENTER INC: $1,000 over 1y, 0.0% of budgetSOMEBODY CARES NEW ENGLAND INC: $1,000 over 1y, 0.2% of budget
Grantee by grantee: a decade per organization, before and after funding

A decade per grantee: revenue shaded, grants as bars, all rows on one timeline.

  • Who funds UTEC Inc ↗
  • Who funds MERRIMACK VALLEY YOUNG MEN'S CHRISTIAN ASSOCIATION INC ↗
  • Who funds EMMAUS INC ↗
  • Who funds CREATIVE HAVERHILL INC ↗
  • Who funds Our Neighbors' Table Inc ↗
  • Who funds BOYS & GIRLS CLUB OF GREATER HAVERHILL INC ↗
  • Who funds FIDELITY HOUSE INC ↗
  • Who funds Lawrence Partnership Inc ↗
  • Who funds HAVERHILL BRIGHTSIDE ↗
  • Who funds Community Action Inc ↗
  • Who funds PROJECT HOME AGAIN ↗
  • Who funds TEAM HAVERHILL INC ↗
  • Who funds ESSEX COUNTY HABITAT FOR HUMANITY INC ↗
  • Who funds LAWRENCE COMMUNITYWORKS INC ↗
  • Who funds BOYS & GIRLS CLUB OF GREATER SALEM INC ↗
  • Who funds BRADFORD CHRISTIAN ACADEMY INC ↗
  • Who funds FAMILY SERVICES OF THE MERRIMACK VALLEY INC ↗

Co-funders

Grantmakers whose grantees overlap with this funder’s far more than size alone predicts. Closer means stronger alignment; arcs show where they also fund each other. Here they form a tightly interlocked group: most of these funders back each other's grantees too.

Cummings Foundation G…Essex County Communit…Rogers Family Foundat…Eastern Bank Foundati…Salem Five Charitable…United Way Of Massach…Josephine G Russell T…Institution for Savin…Arbella Insurance Fou…Artemas W Stearns Tru…RCB Charitable Founda…George C Wadleigh Fou…
Cummings Foundation Grants Inc (Fka Oneworld Boston Inc)MA48.5× affinity22 shared granteesties to 11 of 11Hover any node to trace its alignments.Compare side by side →

Open a dossier: Cummings Foundation Grants Inc (Fka Oneworld Boston Inc) · Essex County Community Foundation Inc · Rogers Family Foundation · Eastern Bank Foundation · Salem Five Charitable Foundation Inc · United Way Of Massachusetts Bay Inc · Josephine G Russell Trust · Institution for Savings in Newburyport & Its Vicinity Charitable Foundation Inc · Arbella Insurance Foundation · Artemas W Stearns Trust · RCB Charitable Foundation Inc · George C Wadleigh Foundation Inc

How this is measured
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. Overlap is association, not proof of shared intent.

How much its grantees rely on government

Each dot is one organization Pentucket Bank Charitable Foundation Inc funds: left to right is the share of its income from government, bottom to top the share from Pentucket Bank Charitable Foundation Inc. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 170%6%25%56%100%funder's share of their income ↑0%25%50%75%100%share of the org’s income from government →median 8%
  • Fidelity House Inc: 91% of income from government
  • Community Action Inc: 52% of income from government
  • Utec Inc: 46% of income from government
  • Greater Lawrence Family Health Center Inc: 40% of income from government
  • Nourishing the North Shore Inc: 20% of income from government
  • Creative Haverhill Inc: 13% of income from government
  • Nectar Community Investments Inc: 12% of income from government
  • Family Services of the Merrimack Valley Inc: 11% of income from government
  • Emmaus Inc: 10% of income from government
  • Lawrence Communityworks Inc: 9% of income from government
  • Our Neighbors' Table Inc: 8% of income from government
  • Ymca of the North Shore Inc: 6% of income from government
  • Boys & Girls Club of Greater Salem Inc: 4% of income from government
  • Somebody Cares New England Inc: 4% of income from government
  • Merrimack Valley Food Bank Inc: 3% of income from government
  • Urban Bridges Inc: 3% of income from government
  • Commonwealth Zoological Corporation D/B/a Zoo New England: 2% of income from government
  • Essex County Community Foundation Inc: 2% of income from government
  • Boys & Girls Club of Greater Haverhill Inc: 1% of income from government
  • Lazarus House Inc: 1% of income from government
  • Bethany Community Services Inc: 0% of income from government
no gov moneyreceives it· size = income
17get no government money at all
8report government grants on their 990 we could not trace to a source (not plotted)
2rely on government for over half their income
typical government reliance, FY20–25
How this is measured
Government income is each org’s traced federal awards (USASpending grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that a grant caused the public funding. Coverage is precision-first, a floor rather than a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12 to 24 months.
05Through Plinth

Warm introductions · Powered by PlinthPlus

How do I get to Pentucket Bank Charitable Foundation Inc?

Find your warmest path to Pentucket Bank Charitable Foundation Inc through trustees and officers whose names appear on both boards. Search for your organization and Plinth traces the shortest route it can evidence.

Each link is a name appearing on two organizations’ public IRS 990 filings, matched on that name and, where the filings support it, on location. A same-state match has geographic support, which is a second matching feature rather than confirmation that the two are one person; a cross-state one is the likeliest to be two people who share a name. Every hop shows its tier, low-confidence and distant paths are held back rather than guessed, and it is worth confirming the person before you use the introduction.

On method. Every financial figure here is read from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 142 grantees we resolved, each linked to its source. Grantee outcomes are each organization’s own program-service reporting (Form 990, Part III), read as association with funding, never as caused by it. Low-confidence name matches are suppressed rather than guessed. How we build these →

How this is measured
Each figure carries one of six labels. Filed is what the funder reported on its return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears.

Generated from the IRS Form 990-PF e-file return for fiscal year 2025, released 2025. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

Source object · view filing

Play a game based on Pentucket Bank’s filings →

More from the funding graph

The unnamed billions
grants reported with no recipient in the public record
The regranting layer
51% of grant dollars land in the regranting layer
The DAF merry-go-round
$9.7B circulates between donor-advised funds
The endowment market
who holds foundation money, and what just moved
The camps
funders cluster by geography, not ideology
By state
where grant money is based, and what stays home