NEWBURYPORT FIVE CENTS SAVINGS BANK
NEWBURYPORT FIVE CENTS SAVINGS BANK is an FDIC-insured commercial bank headquartered in NEWBURYPORT, MA, established in 1854. As of , 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 2.93%. CET1 capital ratio: 11.44%, well above regulatory minimums. NPL ratio: 1.95% · Texas Ratio: 18.10%. Operates 12 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Newburyport Five Cents Savings Bank rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.44% | -0.45% | 1.95% | 18.10% | 2.93% |
| 2025-09-30 | 11.25% | -0.36% | 2.92% | 24.47% | 2.75% |
| 2025-06-30 | 11.42% | 0.16% | 1.87% | 15.99% | 2.71% |
| 2025-03-31 | 11.45% | 0.05% | 1.17% | 10.05% | 2.54% |
| 2024-12-31 | 11.29% | 0.09% | 1.24% | 10.89% | 2.46% |
| 2024-09-30 | 11.19% | -0.74% | 1.15% | 10.01% | 2.48% |
| 2024-06-30 | 11.48% | 0.07% | 0.19% | 1.66% | 2.67% |
| 2024-03-31 | 11.38% | 0.19% | 0.19% | 1.72% | 2.77% |
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Frequently asked about NEWBURYPORT FIVE CENTS SAVINGS BANK
What are Newburyport Five Cents Savings Bank's total assets?
As of the Q4 2025 filing, Newburyport Five Cents Savings Bank reported total assets of $1.59 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Newburyport Five Cents Savings Bank headquartered?
Newburyport Five Cents Savings Bank is headquartered in NEWBURYPORT, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Newburyport Five Cents Savings Bank founded?
Newburyport Five Cents Savings Bank was established in 1854, per the FDIC institution directory.
Is Newburyport Five Cents Savings Bank FDIC-insured?
Yes. Newburyport Five Cents Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #90251). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Newburyport Five Cents Savings Bank?
Newburyport Five Cents Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Newburyport Five Cents Savings Bank's CET1 capital ratio?
Newburyport Five Cents Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.44% in its most recent quarterly filing — above regulatory minimums.
How many branches does Newburyport Five Cents Savings Bank operate?
Newburyport Five Cents Savings Bank operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Newburyport Five Cents Savings Bank's Texas Ratio?
Newburyport Five Cents Savings Bank's Texas Ratio is 18.10% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.