BlastPoint's Banking Scorecard
Institution for Savings in Newburyport and Its Vicinity
Designations: ✓ Community bank
Newburyport, MA
13 branches across MA
Institution for Savings in Newburyport and Its Vicinity has 2 strengths but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.87% below tier average
- + Nonperforming Asset Ratio 0.66% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.1% in tier
- - Credit Risk Growth: Bottom 2.2% in tier
- - Liquidity Overhang: Bottom 25.9% in tier
- - Return on Assets 1.22% below tier average
- - Net Interest Margin 2.53% below tier average
- - Non-Interest-Bearing Deposit Share 15.55% below tier average
- - Non-Interest Income / Assets 0.21% below tier average
- - Efficiency Ratio 12.61% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.4B
+1.5% YoY
+0.6% QoQ
|
+$2.6B |
$2.8B
-0.1% YoY
|
$6.7B
+9.3% YoY
|
$6.2B
+9.0% YoY
|
Top 13.4% in tier |
| Total Loans ? |
$4.2B
+2.4% YoY
-0.1% QoQ
|
+$2.2B |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.7% YoY
|
Top 11.2% in tier |
| Total Deposits ? |
$3.3B
-0.2% YoY
+4.2% QoQ
|
+$968.3M |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.0% YoY
|
80% |
| Return on Assets ? |
0.15%
+122.9% YoY
-83.7% QoQ
|
-1.22% |
1.37%
+19.6% YoY
|
0.55%
+41.3% YoY
|
1.24%
+13.1% YoY
|
Bottom 3.5% in tier |
| Net Interest Margin ? |
1.29%
+18.2% YoY
+10.3% QoQ
|
-2.53% |
3.82%
+6.9% YoY
|
3.01%
+9.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 0.8% in tier |
| Efficiency Ratio ? |
73.66%
-12.7% YoY
-13.4% QoQ
|
+12.61% |
61.05%
-4.6% YoY
|
80.10%
-2.5% YoY
|
66.84%
-3.8% YoY
|
17% |
| Delinquency Rate ? |
0.02%
+9.7% YoY
+0.0% QoQ
|
-0.87% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
Top 4.1% in tier |
| Loan-to-Deposit Ratio ? |
126.19%
+2.5% YoY
-4.2% QoQ
|
+41.98% |
84.20%
+0.3% YoY
|
91.35%
-0.3% YoY
|
76.69%
+0.9% YoY
|
Bottom 1.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.73%
+0.4% YoY
-2.5% QoQ
|
-15.55% |
21.28%
-2.5% YoY
|
15.67%
-3.7% YoY
|
22.01%
-1.1% YoY
|
Bottom 5.0% in tier |
| Nonperforming Asset Ratio ? |
0.02%
+10.6% YoY
-0.8% QoQ
|
-0.66% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.66%
+19.3% YoY
|
Top 4.4% in tier |
| Tier 1 Capital Ratio ? |
16.19%
+7.7% YoY
+2.2% QoQ
|
+1.02% |
15.17%
+2.0% YoY
|
15.05%
+1.8% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.04%
+21.3% YoY
-73.9% QoQ
|
-0.21% |
0.26%
+1.6% YoY
|
0.28%
+1.4% YoY
|
0.32%
+4.0% YoY
|
Bottom 7.8% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.