BlastPoint's Banking Scorecard

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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
Deposits +3.3% year over year ($3.4B on the books).
Delinquency rate 0.04%.
Return on assets 1.05%.
Efficiency ratio 73.96% vs a 59.73% peer average.
Loan-to-deposit ratio 126.06% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 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

+ Credit Quality Leader: Top 45.2% in tier
+ Nonperforming Asset Ratio 0.65% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.4% in tier
- Credit Risk Growth: Bottom 3.7% in tier
- Liquidity Overhang: Bottom 23.3% in tier
- Net Interest Margin 2.56% below tier average
- Non-Interest-Bearing Deposit Share 15.25% below tier average
- Non-Interest Income / Assets 0.45% below tier average
- ROA 0.34% below tier average
- Efficiency Ratio 14.24% above tier average

Get updates when Institution for Savings in Newburyport and Its Vicinity releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$5.6B +3.7% YoY +2.9% QoQ	+$2.8B	$2.8B -0.6% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	Top 11.4% in tier
Total Loans ?	$4.2B +2.6% YoY +1.5% QoQ	+$2.3B	$2.0B -0.3% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	Top 11.0% in tier
Total Deposits ?	$3.4B +3.3% YoY +1.6% QoQ	+$1.0B	$2.3B -0.5% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	1.05% +66.0% YoY +611.4% QoQ	-0.34%	1.39% +17.0% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	33%
Net Interest Margin ?	1.31% +16.8% YoY +1.6% QoQ	-2.56%	3.87% +6.2% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 0.8% in tier
Efficiency Ratio ?	73.96% -8.6% YoY +0.4% QoQ	+14.24%	59.73% -12.6% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 14.4% in tier
Delinquency Rate ?	0.04% +56.1% YoY +81.0% QoQ	-0.83%	0.87% +11.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	Top 6.7% in tier
Loan-to-Deposit Ratio ?	126.06% -0.6% YoY -0.1% QoQ	+41.03%	85.04% -0.1% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	Bottom 1.2% in tier
Non-Interest-Bearing Deposit Share ?	6.02% +6.9% YoY +5.0% QoQ	-15.25%	21.27% -1.5% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	Bottom 5.3% in tier
Nonperforming Asset Ratio ?	0.03% +54.5% YoY +78.5% QoQ	-0.65%	0.67% +11.7% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	Top 6.7% in tier
Tier 1 Capital Ratio ?	16.21% +6.0% YoY +0.2% QoQ	+1.37%	14.84% -0.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.08% +0.2% YoY +86.4% QoQ	-0.45%	0.53% +2.5% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	Bottom 6.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Noninterest-Bearing	6.0% +0.4pp YoY +0.3pp QoQ	-15.3pp	21.4%	16.2%	22.2%	5%
Brokered Deposits	9.3% -2.4pp YoY -0.7pp QoQ	-0.2pp	9.5%	6.1%	8.5%	66%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	0.1% 0.0pp YoY 0.0pp QoQ	-13.9pp	14.0%	6.5%	12.5%	0%
CRE	24.7% +2.5pp YoY +0.1pp QoQ	-25.3pp	50.0%	40.3%	41.4%	7%
1-4 Family	75.4% -2.5pp YoY -0.2pp QoQ	+49.0pp	26.4%	52.4%	31.3%	97%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.6pp	4.7%	1.6%	5.0%	10%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	16.2% +0.9pp YoY 0.0pp QoQ	+0.6pp	15.6%	16.6%	19.7%	78%
Leverage Ratio	12.7% +0.8pp YoY +0.4pp QoQ	+1.3pp	11.3%	11.5%	12.6%	82%
Total Capital Ratio	16.6% +0.9pp YoY 0.0pp QoQ	-0.1pp	16.7%	17.5%	20.8%	74%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	192 +1 (+0.5%) YoY +9 (+4.9%) QoQ	-122	313	755	482	38%
Assets per Employee ($)	$29.0M +3.1% YoY -1.9% QoQ	+$18.5M	$10.5M	$10.7M	$8.8M	97%
Branch Count	13 0 YoY 0 QoQ	-7	20	13	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.1%	0.4%	50%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.8%	0.8%	1.0%	1%
Allowance Coverage	9.49x -36.7% YoY -45.6% QoQ	-9.22x	18.71x	7.95x	20.23x	88%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	16%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	8.5% +3.0pp YoY +7.3pp QoQ	-4.1pp	12.6%	5.6%	11.6%	22%
Cost of Funds (YTD)	2.8% -0.1pp YoY 0.0pp QoQ	+0.9pp	1.9%	2.0%	1.7%	93%
Net Income ($, YTD)	$28.6M +69.2% YoY — QoQ	+$9.4M	$19.2M	$31.7M	$40.4M	81%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Credit Quality Leader

growth

#101 of 221 • Top 45.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.04%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk

#13 of 492 • Bottom 2.4% in tier

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

Why this signature

Delinquency Rate: 0.04%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#16 of 402 • Bottom 3.7% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#41 of 172 • Bottom 23.3% 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: 16.21%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 126.06%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#60 of 885 Top 6.7% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.87%

#60 of 882 Top 6.7% in $1B-$10B

Total Loans

size

Value: $4.24B

Peer Median: $1.96B

#98 of 885 Top 11.0% in $1B-$10B

102

Total Assets

size

Value: $5.56B

Peer Median: $2.79B

#102 of 885 Top 11.4% in $1B-$10B

168

Tier 1 Capital Ratio

capital

Value: 16.21%

Peer Median: 14.84%

#168 of 885 Top 18.9% in $1B-$10B

173

Total Deposits

size

Value: $3.37B

Peer Median: $2.32B

#173 of 885 Top 19.4% in $1B-$10B

Top Weaknesses (5 metrics)

879

Net Interest Margin

profitability

Value: 1.31%

Peer Median: 3.87%

#879 of 885 Bottom 0.8% in $1B-$10B

875

Loan-to-Deposit Ratio

liquidity

Value: 126.06%

Peer Median: 85.04%

#875 of 885 Bottom 1.2% in $1B-$10B

839

Non-Interest-Bearing Deposit Share

funding

Value: 6.02%

Peer Median: 21.27%

#839 of 885 Bottom 5.3% in $1B-$10B

829

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.53%

#829 of 885 Bottom 6.4% in $1B-$10B

759

Efficiency Ratio

profitability

Value: 73.96%

Peer Median: 59.73%

#759 of 885 Bottom 14.4% in $1B-$10B