Advertisement
Institution For Savings In Newburyport And Its Vicinity
Newburyport, MA · FDIC Certificate #90250 · Chartered 01/0
Total assets
$5.56B
Total deposits
$3.37B
Total equity
$694.58M
Net loans
$4.24B
Branches (offices)
13
Net income (YTD)
$28.65M
Rank: #263 of 4,213 U.S. banks by assets · #10 of 89 in Massachusetts. Assets changed 3.7% and deposits 3.3% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.05% |
| Return on equity | 8.46% |
| Net interest margin (YTD) | 1.31% |
| Equity to assets | 12.48% |
| Tier 1 leverage ratio | 12.66% |
| Uninsured deposits (share of deposits) | 27.9% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 126.1% |
| Real estate loans (share of loans) | 100.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $4.25B | 100.2% | |
| Commercial & industrial | $4.43M | 0.1% | |
| Consumer / individual | $2.94M | 0.1% | |
| Construction & development | $178.84M | 4.2% | |
| Agricultural | $140.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.66B | $3.77B | -$43.90M | $505.54M |
| Jun 2023 | $4.89B | $3.47B | $30.65M | $558.21M |
| Jun 2024 | $5.20B | $3.14B | $27.37M | $595.82M |
| Jun 2025 | $5.37B | $3.26B | $16.93M | $635.27M |
| Jun 2026 | $5.56B | $3.37B | $28.65M | $694.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $3.37B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.37B.
Similar-sized banks
Orrstown Bank ($5.61B) · First Internet Bank Of Indiana ($5.53B)
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.
Advertisement