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
Unfavorable gap of $37.8M · efficiency ratio beats 4% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.39% | 0.48% | 0.78% | 0.99% | Beats 11% | 24 / 27 | |
| Return on Equity | 4.29% | 5.50% | 7.06% | 8.20% | Beats 15% | 23 / 27 | |
| Net Interest Margin | 2.70% | 2.49% | 2.70% | 3.34% | Beats 48% | 14 / 27 | |
| Efficiency Ratio | 88.78% | 59.27% | 68.19% | 75.85% | Beats 4% | 27 / 27 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.66% | 0.20% | 0.58% | 1.15% | Beats 19% | 23 / 27 | |
| Net Charge-Offs / Loans | 0.18% | 0.00% | 0.01% | 0.05% | Beats 11% | 25 / 27 | |
| Capital |
| Tier 1 Capital Ratio | 11.67% | 13.21% | 14.69% | 16.81% | Beats 15% | 23 / 27 | |
| Total Risk-Based Capital Ratio | 12.92% | 13.71% | 15.43% | 18.07% | Beats 15% | 23 / 27 | |
| Equity / Assets | 9.07% | 9.62% | 11.14% | 13.14% | Beats 11% | 24 / 27 | |
| Liquidity & Funding |
| Loans / Deposits | 104.02% | 91.42% | 101.19% | 107.11% | 67th pctl | 9 / 27 | |
| Loans / Assets | 83.15% | 75.31% | 80.56% | 83.39% | 70th pctl | 8 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |