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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

5.05%Q2 ’245.05%Q2 ’255.02%Q2 ’26+2%+6%

Non-interest income vs. expense

2.47%Q2 ’242.65%Q2 ’252.49%Q2 ’26+15%-8%

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 0.69%, up 53 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 1.66% of loans (-90 bps YoY), with net charge-offs at 0.14%.
  • 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 (quarter, annualized)

0.69%1+53 bps YoY

Net Interest Margin (quarter, annualized)

2.73%+16 bps YoY

Efficiency Ratio (quarter, annualized)

85.39%-1,221 bps YoY

Tier 1 Leverage Ratio

9.76%+17 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%1-0.36%-0.45%0.09%10.69%1+53 bps
Return on Equity1.86%-4.17%-5.13%1.02%7.68%+582 bps
Net Interest Margin2.57%2.62%2.79%2.66%2.73%+16 bps
Efficiency Ratio97.60%94.93%92.93%92.30%85.39%-1,221 bps
Non-Interest Burden2.51%2.48%2.58%2.44%2.31%-20 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 / Loans0.10%0.15%2.23%0.52%0.14%+4 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