Institution for Savings in Newburyport and Its Vicinity
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Data as of · sourced from FFIEC call reports. How we update
Institution for Savings in Newburyport and Its Vicinity is an FDIC-insured savings bank headquartered in Newburyport, MA, supervised by the FDIC, with $5.56B in total assets at Q2 2026, up 3.7% from Q2 2025, the 10th largest of 89 banks headquartered in Massachusetts. It was established in 1820 and holds FDIC certificate 90250. Its CET1 capital ratio was 16.21% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90250
- Headquarters
- Newburyport, MA
- Established
- 1820
- Total assets, Q2 2026
- $5.56B
- Assets vs Q2 2025
- +3.7%
- CET1 ratio, Q2 2026
- 16.21%
- Domestic offices
- 13 · Institution for Savings in Newburyport and Its Vicinity branches FDIC institution directory, current count
- Routing number
- 211370943
- Safety and soundness
- Is Institution for Savings in Newburyport and Its Vicinity safe?
- Latest call report
- Q2 2026, FFIEC 041 · Institution for Savings in Newburyport and Its Vicinity Q3 2026 call report, filed October 8, 2026 (preliminary)
- Holding company
- IFS 1820 BANCORP, MHC
- Asset rank in state
- 10th of 89 in Massachusetts
Institution for Savings in Newburyport and Its Vicinity, based in Newburyport, Massachusetts, reported $5.6 billion in assets at June 30, 2026, up 3.7% from a year earlier. It keeps 1.36 cents of net interest income on every dollar of earning assets, about a third the median of 3.71 cents for the 880 banks with $1 billion to $10 billion in assets. It also pays an average of 3.10% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $29 million on paper in the quarter, out of $34 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here.
As of June 30, 2026, Institution for Savings in Newburyport and Its Vicinity reported a CET1 capital ratio of 16.21%, a return on assets of 1.96%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.22%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, Institution for Savings in Newburyport and Its Vicinity is the 10th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.9% to $5.56B, loans rose 1.5% and deposits rose 1.6%. 1-4 family residential loans made up 75.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 8.8%. The FDIC Summary of Deposits lists 13 offices for it, in 12 cities in MA; its Newburyport 2 offices book 27% of its branch deposits. Judged on its Q2 2026 call report, Institution for Savings in Newburyport and Its Vicinity meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 93 State St, Newburyport, MA 01950
- County
- Essex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1820
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 192
- Domestic deposits
- $3.37B
- Allowance for credit losses
- $14.3M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $5.44B
- Average total loans
- $4.22B
- Average interest-bearing deposits
- $3.12B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 13, 1985
- FDIC Cert
- 90250
- Fed RSSD
- 272302
- Website
- www.institutionforsavings.com →
- Parent Holding Company
- IFS 1820 BANCORP, MHC (RSSD 5806739)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Institution for Savings in Newburyport and Its Vicinity's total assets ranged from $4.99B (Q3 2023) to $5.56B (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.56B total assets against $5.37B; $4.87B total liabilities against $4.73B.
$4.24B net loans and leases against $4.14B; $3.37B total deposits against $3.26B.
$651.4M securities against $669.5M; $330.6M cash and balances due against $210.4M.
$53.5M total interest income against $50.8M; $36.3M total interest expense against $36.4M.
$17.2M net interest income against $14.4M.
$2.1M total noninterest income against $2.4M; $14.3M total noninterest expense against $13.1M.
$0 provision for credit losses against $0.
$26.7M net income against $25.6M.
1.96% return on assets against 1.92%; 1.36% net interest margin against 1.16%.
16.21% CET1 capital ratio against 15.29%; 12.66% tier 1 leverage ratio against 11.83%.
Inside the full Institution for Savings in Newburyport and Its Vicinity terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Institution for Savings in Newburyport and Its Vicinity rankings
Its closest position to the top of a national ranking is 257 of 4,196, for total assets; its furthest is 3,146 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.65% (Q1 2025) to 1.96% (Q2 2026) and its net interest margin ran from 0.96% (Q4 2024) to 1.36% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.21% | 1.96% | 0.04% | 0.22% | 1.36% |
| Q1 2026 | 16.19% | 0.15% | 0.02% | 0.12% | 1.30% |
| Q4 2025 | 15.84% | 0.56% | 0.02% | 0.12% | 1.23% |
| Q3 2025 | 15.67% | 1.81% | 0.01% | 0.08% | 1.22% |
| Q2 2025 | 15.29% | 1.92% | 0.02% | 0.15% | 1.16% |
| Q1 2025 | 15.03% | -0.65% | 0.02% | 0.12% | 1.09% |
| Q4 2024 | 15.02% | 0.19% | 0.03% | 0.18% | 0.96% |
| Q3 2024 | 15.21% | 0.65% | 0.03% | 0.21% | 0.97% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Newburyport Storey Avenue Office and Residential Lending Center Branch | Newburyport , MA | 01950 | $495.4M |
| Middleton Branch | Middleton , MA | 01949 | $442.6M |
| Institution for Savings in Newburyport and Its Vicinity (main office) | Newburyport , MA | 01950 | $418.7M |
| Ipswich Depot Square Office and Lending Branch | Ipswich , MA | 01938 | $404.5M |
| Topsfield Office Branch | Topsfield , MA | 01983 | $237.2M |
| Rowley Office and Commercial Lending Ctr | Rowley , MA | 01969 | $219.5M |
| Salisbury Office | Salisbury , MA | 01952 | $218.8M |
| Gloucester Branch | Gloucester , MA | 01930 | $200.7M |
| Rockport King Street Office | Rockport , MA | 01966 | $182.5M |
| Amesbury Branch | Amesbury , MA | 01913 | $158.1M |
| Beverly Office | Beverly , MA | 01915 | $149.1M |
| Salem Office Branch | Salem , MA | 01970 | $147.7M |
| Hamilton Branch | South Hamilton , MA | 01982 | $91.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 30, 2014 | Structure Change | Acquired The Rockport National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 29, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2007 | Structure Change | Acquired Ipswich Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in MA, rank 17 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $99K approved, $99K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Institution for Savings in Newburyport and Its Vicinity
What are Institution for Savings in Newburyport and Its Vicinity's total assets?
As of the Q2 2026 filing, Institution for Savings in Newburyport and Its Vicinity reported total assets of $5.56 billion in its FFIEC call report.
Where is Institution for Savings in Newburyport and Its Vicinity headquartered?
It is headquartered in Newburyport, MA, United States.
When was Institution for Savings in Newburyport and Its Vicinity founded?
It was established in 1820, per the FDIC institution directory.
Is Institution for Savings in Newburyport and Its Vicinity FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #90250). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Institution for Savings in Newburyport and Its Vicinity?
Institution for Savings in Newburyport and Its Vicinity's primary federal regulator is the FDIC.
What is Institution for Savings in Newburyport and Its Vicinity's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.21% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Institution for Savings in Newburyport and Its Vicinity operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Institution for Savings in Newburyport and Its Vicinity's Texas Ratio?
Its Texas Ratio is 0.22% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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