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

Deposit mix

NIM

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

Earnings: ROA of 1.94%, up 3 bps year over year; NIM at 1.26%.
Asset quality: problem loans at 0.04% of loans (+1 bps YoY), with net charge-offs at 0.00%.

Return on Assets (quarter, annualized)

1.94%¹+3 bps YoY

Net Interest Margin (quarter, annualized)

1.26%+18 bps YoY

Efficiency Ratio (quarter, annualized)

74.25%-350 bps YoY

Tier 1 Leverage Ratio

12.66%+83 bps YoY

Discrete quarter, annualized.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.91%¹	1.80%¹	0.56%¹	0.15%	1.94%¹	+3 bps
Return on Equity	16.42%	14.90%	4.56%	1.19%	15.65%	-77 bps
Net Interest Margin	1.09%	1.13%	1.15%	1.21%	1.26%	+18 bps
Efficiency Ratio	77.75%	77.22%	100.42%	73.66%	74.25%	-350 bps
Non-Interest Burden	0.80%	0.83%	1.15%	0.84%	0.90%	+9 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 / Loans	0.02%	0.01%	0.02%	0.02%	0.04%	+1 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	0.34%	0.34%	0.34%	0.34%	0.34%	0 bps
Allowance Coverage of NPLs	15.0x	25.4x	17.4x	17.4x	9.5x	-5.5x
Capital
Tier 1 Leverage Ratio	11.83%	12.25%	12.29%	12.28%	12.66%	+83 bps
Total Risk-Based Capital	15.64%	16.02%	16.19%	16.55%	16.56%	+92 bps
Equity / Assets	11.84%	12.34%	12.44%	12.36%	12.48%	+65 bps
Liquidity & Funding
Loans / Deposits	127.26%	131.97%	132.13%	126.62%	126.49%	-77 bps
Liquid Assets / Assets	5.75%	4.69%	5.25%	7.04%	7.82%	+207 bps
CRE / Total Capital	n/a	148.21%	151.46%	156.14%	n/a	n/a