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Institution for Savings in Newburyport and Its Vicinity

$1B-$10B Specialty: Mortgage MA FDIC cert 90250

Designations: ✓ Community bank

Newburyport, MA

13 branches across MA

884 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

Institution for Savings in Newburyport and Its Vicinity has 2 strengths but faces 8 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

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 2.1% 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 12.60% above tier average
Get updates when Institution for Savings in Newburyport and Its Vicinity releases new data →

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
$6.8B
+9.3% YoY
$6.2B
+9.1% YoY
Top 13.3% 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
+10.8% YoY
Top 11.2% in tier
Total Deposits ? $3.3B
-0.2% YoY +4.2% QoQ
+$970.0M $2.3B
-0.3% YoY
$5.3B
+11.5% YoY
$4.8B
+8.2% YoY
80%
Return on Assets ? 0.15%
+122.9% YoY -83.7% QoQ
-1.22% 1.37%
+19.6% YoY
0.49%
+59.0% YoY
1.23%
+13.4% YoY
Bottom 3.5% in tier
Net Interest Margin ? 1.29%
+18.2% YoY +10.3% QoQ
-2.53% 3.82%
+6.9% YoY
3.03%
+10.0% YoY
3.89%
+5.7% YoY
Bottom 0.8% in tier
Efficiency Ratio ? 73.66%
-12.7% YoY -13.4% QoQ
+12.60% 61.06%
-4.6% YoY
80.02%
-2.5% YoY
66.95%
-4.1% 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
92.37%
-0.3% YoY
76.70%
+0.9% YoY
Bottom 1.2% in tier
Non-Interest-Bearing Deposit Share ? 5.73%
+0.4% YoY -2.5% QoQ
-15.55% 21.29%
-2.5% YoY
15.85%
-3.7% YoY
22.01%
-1.2% 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
0.67%
+19.3% YoY
Top 4.4% in tier
Tier 1 Capital Ratio ? 16.19%
+7.7% YoY +2.2% QoQ
+1.03% 15.16%
+2.0% YoY
14.58%
+1.9% 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
0.11%
+1.3% YoY
0.32%
+4.1% YoY
Bottom 7.8% in tier

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk
#1 of 513 • Bottom 0.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.89%, National: 0.95%)
better than tier avg
513 of 513 Mid-Market banks match · 1899 nationally
→ Stable +2 banks QoQ

Credit Risk Growth

risk
#10 of 420 • Bottom 2.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ

Liquidity Overhang

risk
#46 of 174 • Bottom 25.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.19%
(Tier: 15.16%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 126.19%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
174 of 174 Mid-Market banks match · 939 nationally
→ Stable +13 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (6 metrics)

37
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.89%
#37 of 880 Top 4.1% in $1B-$10B
40
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#40 of 884 Top 4.4% in $1B-$10B
100
Total Loans
size
Value: $4.18B
Peer Median: $1.96B
#100 of 884 Top 11.2% in $1B-$10B
119
Total Assets
size
Value: $5.41B
Peer Median: $2.82B
#119 of 884 Top 13.3% in $1B-$10B
161
Tier 1 Capital Ratio
capital
Value: 16.19%
Peer Median: 15.16%
#161 of 884 Top 18.1% in $1B-$10B
180
Total Deposits
size
Value: $3.31B
Peer Median: $2.34B
#180 of 884 Top 20.2% in $1B-$10B

Top Weaknesses (6 metrics)

878
Net Interest Margin
profitability
Value: 1.29%
Peer Median: 3.82%
#878 of 884 Bottom 0.8% in $1B-$10B
874
Loan-to-Deposit Ratio
liquidity
Value: 126.19%
Peer Median: 84.20%
#874 of 884 Bottom 1.2% in $1B-$10B
854
Return on Assets
profitability
Value: 0.15%
Peer Median: 1.37%
#854 of 884 Bottom 3.5% in $1B-$10B
841
Non-Interest-Bearing Deposit Share
funding
Value: 5.73%
Peer Median: 21.29%
#841 of 884 Bottom 5.0% in $1B-$10B
816
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.26%
#816 of 884 Bottom 7.8% in $1B-$10B
738
Efficiency Ratio
profitability
Value: 73.66%
Peer Median: 61.06%
#738 of 884 Bottom 16.6% in $1B-$10B
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