NEWBURYPORT FIVE CENTS SAVINGS BANK

NEWBURYPORT, MA | Large | Est. April 1, 1854, midnight | FDIC #90251 | RSSD #67209 | FDIC
Latest Report: 2025-12-31

NEWBURYPORT FIVE CENTS SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in NEWBURYPORT, MA, established in April 1, 1854, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.3B. Profitability stands at -0.45% ROA and -5.13% ROE, with a net interest margin of 3.07%. The bank's CET1 capital ratio is 11.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.95% and a Texas Ratio of 18.10%. FDIC Certificate #90251.

Assets

$1.6B

Deposits

$1.3B

Loans

$1.3B

Equity

$139M

Profitability

Return on Assets (ROA) -0.45%
Return on Equity (ROE) -5.13%
Net Interest Margin (NIM) 3.07%
Yield on Assets 5.63%
Cost of Funds 3.08%

Asset Quality

NPL Ratio 1.95%
Net Charge-Off Ratio 0.66%
Texas Ratio 18.10%
NPA Ratio 1.79%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 11.44%
Tier 1 Capital 11.44%
Total Capital Ratio 12.69%
Leverage Ratio 9.40%
Loan-to-Deposit 101.22%

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