BlastPoint's Banking Scorecard
Newburyport Five Cents Savings Bank
Designations: ✓ Community bank
Newburyport, MA
12 branches across MA · NH
Newburyport Five Cents Savings Bank faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 30.8% in tier
- - Liquidity Strain: Bottom 34.7% in tier
- - Efficiency Drag: Bottom 68.9% in tier
- - Capital Constraint: Bottom 73.0% in tier
- - Return on Assets 1.28% below tier average
- - Delinquency Rate 1.17% above tier average
- - Nonperforming Asset Ratio 1.16% above tier average
- - Non-Interest Income / Assets 0.22% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
-2.2% YoY
-0.6% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
37% |
| Total Loans ? |
$1.3B
-2.1% YoY
-1.0% QoQ
|
-$667.1M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
47% |
| Total Deposits ? |
$1.2B
-7.5% YoY
-6.3% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
33% |
| Return on Assets ? |
0.09%
+84.2% YoY
+160.2% QoQ
|
-1.28% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.7% in tier |
| Net Interest Margin ? |
2.82%
+10.4% YoY
+2.4% QoQ
|
-1.00% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.4% in tier |
| Efficiency Ratio ? |
92.30%
-2.3% YoY
-2.8% QoQ
|
+31.24% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.1% in tier |
| Delinquency Rate ? |
2.06%
+73.9% YoY
+4.1% QoQ
|
+1.17% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.2% in tier |
| Loan-to-Deposit Ratio ? |
105.63%
+5.9% YoY
+5.7% QoQ
|
+21.43% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.18%
+8.6% YoY
+2.7% QoQ
|
-6.11% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? |
1.84%
+89.1% YoY
+3.0% QoQ
|
+1.16% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.6% in tier |
| Tier 1 Capital Ratio ? |
11.62%
+1.5% YoY
+1.6% QoQ
|
-3.54% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.04%
+5.7% YoY
-76.2% QoQ
|
-0.22% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.1% 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 (4)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.