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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

$5.6BAssets
$4.3BLoans
$3.4BDeposits
$694.6MEquity
Loan mix
100%RE $4.2B0%C&I $0.0B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
94%Interest-bearing $3.2B6%Noninterest $0.2BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%10.74%1-0.65%0.63%11.02%10.91%10.15%1.05%1+42 bps
Return on Equity8.09%6.46%-5.67%5.49%8.72%7.65%1.19%8.46%+298 bps
Net Interest Margin0.93%0.92%1.02%1.06%1.08%1.09%1.21%1.23%+18 bps
Efficiency Ratio93.61%94.33%84.39%80.93%79.63%85.06%73.66%73.96%-697 bps
Non-Interest Burden0.87%0.86%0.84%0.82%0.82%0.90%0.84%0.87%+4 bps
Growth
Asset Growth (YoY)4.60%5.97%4.74%3.23%2.60%0.56%1.52%3.67%+43 bps
Loan Growth (YoY)4.96%2.34%2.04%1.51%3.31%2.36%2.35%2.63%+112 bps
Deposit Growth (YoY)-3.47%2.89%5.93%3.96%1.71%-5.35%-0.17%3.26%-70 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.02%0.02%0.01%0.02%0.02%0.04%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.35%0.35%0.35%0.34%0.34%0.34%0.34%0.34%0 bps
Allowance Coverage of NPLs11.2x12.9x19.3x15.0x25.4x17.4x17.4x9.5x-5.5x
Capital
Tier 1 Leverage Ratio11.77%11.67%11.32%11.83%12.25%12.29%12.28%12.66%+83 bps
Total Risk-Based Capital15.57%15.38%15.39%15.64%16.02%16.19%16.55%16.56%+92 bps
Equity / Assets11.64%11.36%11.44%11.84%12.34%12.44%12.36%12.48%+65 bps
Liquidity & Funding
Loans / Deposits129.93%122.19%123.50%127.26%131.97%132.13%126.62%126.49%-77 bps
Liquid Assets / Assets5.47%7.07%6.60%5.75%4.69%5.25%7.04%7.82%+207 bps
CRE / Total Capitaln/an/an/an/a148.21%151.46%156.14%n/an/a