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Institution for Savings in Newburyport and Its Vicinity

Newburyport, MA · Cert 90250 · Ifs 1820 Bcorp MHC

SI · FDIC · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

98

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

33

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Institution for Savings in Newburyport and Its Vicinity

Newburyport, MA · Cert 90250 · Ifs 1820 Bcorp MHC

SI · FDIC · 13 branches

Q2 2026

$5.6BAssets
$4.3BLoans
$3.4BDeposits
$694.6MEquity
Loan mix
100%RE $4.2B0%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $3.2B6%Noninterest $0.2BQ2 2025Q2 2026

NIM

3.63%Q2 ’243.80%Q2 ’253.88%Q2 ’26+10%+17%

Non-interest income vs. expense

1.01%Q2 ’240.98%Q2 ’251.03%Q2 ’26-1%+5%

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.6% share · #16 of 100 inst. · $3.4B of $580.3B

Executive Summary

  • Earnings: ROA of 1.05%, up 42 bps year over year; NIM at 1.23%.
  • Asset quality: problem loans at 0.04% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.66%, up 83 bps from a year ago.
  • Funding: loans stand at 126.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%1+42 bps YoY

Net Interest Margin (YTD, annualized)

1.23%+18 bps YoY

Efficiency Ratio (YTD, annualized)

73.96%-697 bps YoY

Tier 1 Leverage Ratio

12.66%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%11.02%10.91%10.15%1.05%1+42 bps
Return on Equity5.49%8.72%7.65%1.19%8.46%+298 bps
Net Interest Margin1.06%1.08%1.09%1.21%1.23%+18 bps
Efficiency Ratio80.93%79.63%85.06%73.66%73.96%-697 bps
Non-Interest Burden0.82%0.82%0.90%0.84%0.87%+4 bps
Growth
Asset Growth (YoY)3.23%2.60%0.56%1.52%3.67%+43 bps
Loan Growth (YoY)1.51%3.31%2.36%2.35%2.63%+112 bps
Deposit Growth (YoY)3.96%1.71%-5.35%-0.17%3.26%-70 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.02%0.02%0.04%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.34%0.34%0.34%0.34%0.34%0 bps
Allowance Coverage of NPLs15.0x25.4x17.4x17.4x9.5x-5.5x
Capital
Tier 1 Leverage Ratio11.83%12.25%12.29%12.28%12.66%+83 bps
Total Risk-Based Capital15.64%16.02%16.19%16.55%16.56%+92 bps
Equity / Assets11.84%12.34%12.44%12.36%12.48%+65 bps
Liquidity & Funding
Loans / Deposits127.26%131.97%132.13%126.62%126.49%-77 bps
Liquid Assets / Assets5.75%4.69%5.25%7.04%7.82%+207 bps
CRE / Total Capitaln/a148.21%151.46%156.14%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it. 1 One-time gains made up most of net income in the marked periods. Year to date through Q2 2026, gains on securities were $26.1M before tax, about $19.1M after an assumed 27% tax, or 67% of net income. Excluding them, ROA would be much lower. Source: Call Report Schedule RI, items 6.a, 6.b and 8.b.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Institution for Savings in Newburyport and Its Vicinity

Newburyport, MA · Cert 90250 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · Ifs 1820 Bcorp MHC

SI · FDIC · 13 branches

Q2 2026

$5.6BAssets
$4.3BLoans
$3.4BDeposits
$694.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 5 of 27).
  • Widest gap: net interest margin trails 100% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 27 of 27).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.03%

Rank 6 of 27

Net Interest Margin

1.23%

Rank 27 of 27

Efficiency Ratio

73.96%

Rank 19 of 27

Equity / Assets

12.48%

Rank 8 of 27

Non-interest income vs. expense

$8.9M$56.0MINCOMEEXPENSE
Unfavorable gap of $47.1M · efficiency ratio beats 33% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 73.96%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.03%0.48%0.78%0.99%Beats 78%6 / 27
Return on Equity8.25%5.50%7.06%8.20%Beats 78%6 / 27
Net Interest Margin1.23%2.49%2.70%3.34%Beats 0%27 / 27
Efficiency Ratio73.96%59.27%68.19%75.85%Beats 33%19 / 27
Asset Quality
Nonperforming Loans / Loans0.04%0.20%0.58%1.15%Beats 96%2 / 27
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%5 / 27
Capital
Tier 1 Capital Ratio16.21%13.21%14.69%16.81%Beats 67%9 / 27
Total Risk-Based Capital Ratio16.56%13.71%15.43%18.07%Beats 59%11 / 27
Equity / Assets12.48%9.62%11.14%13.14%Beats 70%8 / 27
Liquidity & Funding
Loans / Deposits126.49%91.42%101.19%107.11%93rd pctl2 / 27
Loans / Assets76.54%75.31%80.56%83.39%30th pctl19 / 27
Brokered Deposits / Depositsn/aNot reported for this institution