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Newburyport Five Cents Savings Bank
Newburyport, MA · FDIC Certificate #90251 · Chartered 04/0
Total assets
$1.57B
Total deposits
$1.26B
Total equity
$142.73M
Net loans
$1.29B
Branches (offices)
12
Net income (YTD)
$3.06M
Rank: #716 of 4,213 U.S. banks by assets · #35 of 89 in Massachusetts. Assets changed -2.6% and deposits -4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.39% |
| Return on equity | 4.36% |
| Net interest margin (YTD) | 2.86% |
| Equity to assets | 9.07% |
| Tier 1 leverage ratio | 9.76% |
| Uninsured deposits (share of deposits) | 40.4% |
| Noncurrent loans (share of loans) | 1.66% |
| Net charge-offs (share of loans) | 0.33% |
| Loans to deposits | 102.7% |
| Real estate loans (share of loans) | 90.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.17B | 90.6% | |
| Commercial & industrial | $119.27M | 9.2% | |
| Consumer / individual | $14.29M | 1.1% | |
| Construction & development | $100.23M | 7.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.46B | $1.20B | $3.28M | $126.70M |
| Jun 2023 | $1.54B | $1.22B | $2.13M | $129.58M |
| Jun 2024 | $1.61B | $1.27B | $1.03M | $139.78M |
| Jun 2025 | $1.62B | $1.32B | $840.00K | $138.93M |
| Jun 2026 | $1.57B | $1.26B | $3.06M | $142.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $909.02M | 7 |
| New Hampshire | $348.94M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.26B.
Similar-sized banks
Exchange Bank ($1.58B) · First Keystone Community Bank ($1.57B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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