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Newburyport Five Cents Savings Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90251

Designations: ✓ Community bank

Newburyport, MA

12 branches across MA · NH

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 -4.9% year over year ($1.3B on the books).
  • Delinquency rate 1.68%.
  • Return on assets 0.39%.
  • Efficiency ratio 88.78% vs a 59.73% peer average.
  • Loan-to-deposit ratio 102.69% 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) →

Newburyport Five Cents Savings Bank faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 20.6% in tier
  • - Liquidity Strain: Bottom 23.3% in tier
  • - Capital Constraint: Bottom 71.9% in tier
  • - Return on Assets 1.00% below tier average
  • - Efficiency Ratio 29.06% above tier average
  • - Nonperforming Asset Ratio 0.85% above tier average
  • - Non-Interest Income / Assets 0.44% below tier average
  • - Net Interest Margin 1.01% below tier average
Get updates when Newburyport Five Cents Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $1.6B
-2.6% YoY -0.2% QoQ
-$1.2B $2.8B
-0.6% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
37%
Total Loans ? $1.3B
-2.5% YoY -0.5% QoQ
-$671.4M $2.0B
-0.3% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
47%
Total Deposits ? $1.3B
-4.9% YoY +2.4% QoQ
-$1.1B $2.3B
-0.5% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
35%
Return on Assets ? 0.39%
+274.1% YoY +333.5% QoQ
-1.00% 1.39%
+17.0% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 5.4% in tier
Net Interest Margin ? 2.86%
+8.9% YoY +1.6% QoQ
-1.01% 3.87%
+6.2% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 10.7% in tier
Efficiency Ratio ? 88.78%
-7.6% YoY -3.8% QoQ
+29.06% 59.73%
-12.6% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
Bottom 2.0% in tier
Delinquency Rate ? 1.68%
-35.3% YoY -18.1% QoQ
+0.82% 0.87%
+11.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
Bottom 12.6% in tier
Loan-to-Deposit Ratio ? 102.69%
+2.5% YoY -2.8% QoQ
+17.66% 85.04%
-0.1% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
Bottom 9.6% in tier
Non-Interest-Bearing Deposit Share ? 14.92%
+2.8% YoY -1.7% QoQ
-6.35% 21.27%
-1.5% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
27%
Nonperforming Asset Ratio ? 1.53%
-28.3% YoY -16.9% QoQ
+0.85% 0.67%
+11.7% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
Bottom 9.8% in tier
Tier 1 Capital Ratio ? 11.67%
+2.2% YoY +0.4% QoQ
-3.17% 14.84%
-0.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
27%
Non-Interest Income / Assets ? 0.08%
+16.5% YoY +127.7% QoQ
-0.44% 0.53%
+2.5% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
Bottom 6.9% 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 14.9%
+0.4pp YoY
-0.3pp QoQ
 -6.4pp 21.4% 16.2% 22.2% 27%
Brokered Deposits 7.1%
-0.7pp YoY
+1.8pp QoQ
 -2.3pp 9.5% 6.1% 8.5% 59%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 9.2%
-1.2pp YoY
-0.1pp QoQ
 -4.8pp 14.0% 6.5% 12.5% 40%
CRE 52.2%
-0.6pp YoY
-0.8pp QoQ
 +2.1pp 50.0% 40.3% 41.4% 58%
1-4 Family 38.4%
+2.7pp YoY
+1.1pp QoQ
 +12.0pp 26.4% 52.4% 31.3% 80%
Consumer 1.1%
-0.7pp YoY
-0.2pp QoQ
 -3.6pp 4.7% 1.6% 5.0% 48%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 11.7%
+0.2pp YoY
+0.1pp QoQ
 -3.9pp 15.6% 16.6% 19.7% 18%
Leverage Ratio 9.8%
+0.2pp YoY
+0.2pp QoQ
 -1.5pp 11.3% 11.5% 12.6% 30%
Total Capital Ratio 12.9%
+0.2pp YoY
+0.1pp QoQ
 -3.8pp 16.7% 17.5% 20.8% 20%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 159
-8 (-4.8%) YoY
+8 (+5.3%) QoQ
 -155 313 755 482 26%
Assets per Employee ($) $9.9M
+2.3% YoY
-5.2% QoQ
 -$584K $10.5M $10.7M $8.8M 65%
Branch Count 12
0 YoY
0 QoQ
 -8 20 13 18 39%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 1.7%
-0.2pp YoY
-0.4pp QoQ
 +0.9pp 0.8% 0.8% 1.0% 89%
Allowance Coverage 0.77x
+47.8% YoY
+21.5% QoQ
 -17.94x 18.71x 7.95x 20.23x 15%
Net Charge-off Rate (YTD) 0.3%
+0.2pp YoY
-0.2pp QoQ
 +0.1pp 0.3% 0.1% 0.2% 87%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 4.4%
+3.1pp YoY
+3.3pp QoQ
 -8.2pp 12.6% 5.6% 11.6% 6%
Cost of Funds (YTD) 2.4%
-0.2pp YoY
0.0pp QoQ
 +0.5pp 1.9% 2.0% 1.7% 83%
Net Income ($, YTD) $3.1M
+264.8% YoY
— QoQ
 -$16.2M $19.2M $31.7M $40.4M 6%

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)

Deposit Outflow

decline
#28 of 131 • Bottom 20.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#85 of 361 • Bottom 23.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 102.69%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Capital Constraint

risk
#24 of 32 • Bottom 71.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 102.69%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 11.67%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
32 of 32 Mid-Market banks match · 143 nationally
→ Stable -5 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

868
Efficiency Ratio
profitability
Value: 88.78%
Peer Median: 59.73%
#868 of 885 Bottom 2.0% in $1B-$10B
838
Return on Assets
profitability
Value: 0.39%
Peer Median: 1.39%
#838 of 885 Bottom 5.4% in $1B-$10B
825
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.53%
#825 of 885 Bottom 6.9% in $1B-$10B
801
Loan-to-Deposit Ratio
liquidity
Value: 102.69%
Peer Median: 85.04%
#801 of 885 Bottom 9.6% in $1B-$10B
799
Nonperforming Asset Ratio
credit_quality
Value: 1.53%
Peer Median: 0.67%
#799 of 885 Bottom 9.8% in $1B-$10B
791
Net Interest Margin
profitability
Value: 2.86%
Peer Median: 3.87%
#791 of 885 Bottom 10.7% in $1B-$10B
772
Delinquency Rate
credit_quality
Value: 1.68%
Peer Median: 0.87%
#772 of 882 Bottom 12.6% in $1B-$10B
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