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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 $0.0BQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $1.1B15%Noninterest $0.2BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.16%-0.10%0.05%0.10%-0.05%-0.15%0.09%10.39%1+28 bps
Return on Equity-1.89%-1.15%0.57%1.22%-0.59%-1.73%1.02%4.36%+314 bps
Net Interest Margin2.46%2.41%2.41%2.51%2.53%2.61%2.66%2.70%+19 bps
Efficiency Ratio90.25%90.74%94.47%96.08%95.68%94.95%92.30%88.78%-729 bps
Non-Interest Burden2.20%2.17%2.27%2.40%2.42%2.47%2.44%2.38%-2 bps
Growth
Asset Growth (YoY)6.17%3.60%0.83%0.21%-1.85%-2.72%-2.17%-2.60%-280 bps
Loan Growth (YoY)2.53%1.84%-0.99%-1.63%-0.90%-2.67%-2.15%-2.53%-90 bps
Deposit Growth (YoY)8.80%10.65%8.54%3.89%-0.27%-0.73%-7.52%-4.86%-875 bps
Asset Quality
Nonperforming Loans / Loans1.15%1.24%1.17%2.57%2.92%1.95%2.03%1.66%-90 bps
Net Charge-Offs / Loans0.29%0.27%0.16%0.13%0.14%0.66%0.52%0.33%+20 bps
Allowance / Loans1.34%1.35%1.35%1.33%1.58%1.31%1.28%1.28%-6 bps
Allowance Coverage of NPLs1.2x1.1x1.2x0.5x0.5x0.7x0.6x0.8x+0.2x
Capital
Tier 1 Leverage Ratio9.36%9.27%9.44%9.60%9.44%9.40%9.54%9.76%+17 bps
Total Risk-Based Capital12.45%12.55%12.70%12.67%12.51%12.69%12.87%12.92%+25 bps
Equity / Assets8.40%8.37%8.55%8.60%8.65%8.77%8.85%9.07%+47 bps
Liquidity & Funding
Loans / Deposits102.87%103.24%101.13%101.54%102.22%101.22%107.01%104.02%+248 bps
Liquid Assets / Assets2.47%2.07%2.24%1.64%0.72%0.56%0.84%0.55%-109 bps
CRE / Total Capitaln/an/an/an/a456%454%451%n/an/a