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Newburyport Five Cents Savings Bank

Newburyport, MA · Cert 90251 · River Run Bcorp MHC

SI · FDIC · 12 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

14

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

4

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

Newburyport Five Cents Savings Bank

Newburyport, MA · Cert 90251 · River Run Bcorp MHC

SI · FDIC · 2 affiliate banks · 12 branches (26 in holding)

Q2 2026

$1.6BAssets
$1.3BLoans
$1.3BDeposits
$142.7MEquity
Loan mix
89%RE $1.2B9%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $1.1B15%Noninterest $0.2BQ2 2025Q2 2026

NIM

4.98%Q2 ’245.02%Q2 ’254.98%Q2 ’26-1%+8%

Non-interest income vs. expense

2.45%Q2 ’242.54%Q2 ’252.54%Q2 ’26+9%-1%

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.2% share · #27 of 100 inst. · $1.3B of $580.3B

2.9% Essex
2.3% Rockingham
2.2% Strafford

Executive Summary

  • Earnings: ROA of 0.39%, up 28 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 1.66% of loans (-90 bps YoY), with net charge-offs at 0.33%.
  • Capital: tier 1 leverage ratio of 9.76%, up 17 bps from a year ago.
  • Funding: loans stand at 104.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.39%1+28 bps YoY

Net Interest Margin (YTD, annualized)

2.70%+19 bps YoY

Efficiency Ratio (YTD, annualized)

88.78%-729 bps YoY

Tier 1 Leverage Ratio

9.76%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%-0.05%-0.15%0.09%10.39%1+28 bps
Return on Equity1.22%-0.59%-1.73%1.02%4.36%+314 bps
Net Interest Margin2.51%2.53%2.61%2.66%2.70%+19 bps
Efficiency Ratio96.08%95.68%94.95%92.30%88.78%-729 bps
Non-Interest Burden2.40%2.42%2.47%2.44%2.38%-2 bps
Growth
Asset Growth (YoY)0.21%-1.85%-2.72%-2.17%-2.60%-280 bps
Loan Growth (YoY)-1.63%-0.90%-2.67%-2.15%-2.53%-90 bps
Deposit Growth (YoY)3.89%-0.27%-0.73%-7.52%-4.86%-875 bps
Asset Quality
Nonperforming Loans / Loans2.57%2.92%1.95%2.03%1.66%-90 bps
Net Charge-Offs / Loans0.13%0.14%0.66%0.52%0.33%+20 bps
Allowance / Loans1.33%1.58%1.31%1.28%1.28%-6 bps
Allowance Coverage of NPLs0.5x0.5x0.7x0.6x0.8x+0.2x
Capital
Tier 1 Leverage Ratio9.60%9.44%9.40%9.54%9.76%+17 bps
Total Risk-Based Capital12.67%12.51%12.69%12.87%12.92%+25 bps
Equity / Assets8.60%8.65%8.77%8.85%9.07%+47 bps
Liquidity & Funding
Loans / Deposits101.54%102.22%101.22%107.01%104.02%+248 bps
Liquid Assets / Assets1.64%0.72%0.56%0.84%0.55%-109 bps
CRE / Total Capitaln/a456%454%451%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 $2.4M before tax, about $1.7M after an assumed 27% tax, or 56% 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

Newburyport Five Cents Savings Bank

Newburyport, MA · Cert 90251 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · River Run Bcorp MHC

SI · FDIC · 2 affiliate banks · 12 branches (26 in holding)

Q2 2026

$1.6BAssets
$1.3BLoans
$1.3BDeposits
$142.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 48% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 14 of 27).
  • Widest gap: efficiency ratio trails 96% 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 0 of 9 directional measures.

Return on Assets

0.39%

Rank 24 of 27

Net Interest Margin

2.70%

Rank 14 of 27

Efficiency Ratio

88.78%

Rank 27 of 27

Equity / Assets

9.07%

Rank 24 of 27

Non-interest income vs. expense

$2.6M$40.4MINCOMEEXPENSE
Unfavorable gap of $37.8M · efficiency ratio beats 4% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 88.78%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.39%0.48%0.78%0.99%Beats 11%24 / 27
Return on Equity4.29%5.50%7.06%8.20%Beats 15%23 / 27
Net Interest Margin2.70%2.49%2.70%3.34%Beats 48%14 / 27
Efficiency Ratio88.78%59.27%68.19%75.85%Beats 4%27 / 27
Asset Quality
Nonperforming Loans / Loans1.66%0.20%0.58%1.15%Beats 19%23 / 27
Net Charge-Offs / Loans0.18%0.00%0.01%0.05%Beats 11%25 / 27
Capital
Tier 1 Capital Ratio11.67%13.21%14.69%16.81%Beats 15%23 / 27
Total Risk-Based Capital Ratio12.92%13.71%15.43%18.07%Beats 15%23 / 27
Equity / Assets9.07%9.62%11.14%13.14%Beats 11%24 / 27
Liquidity & Funding
Loans / Deposits104.02%91.42%101.19%107.11%67th pctl9 / 27
Loans / Assets83.15%75.31%80.56%83.39%70th pctl8 / 27
Brokered Deposits / Depositsn/aNot reported for this institution