Institution for Savings in Newburyport and Its Vicinity: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.30 percentage points lower than in Q1 2026, at 128.21%. On loan-to-deposit ratio, Institution for Savings in Newburyport and Its Vicinity ranks 2nd highest among the 89 banks headquartered in Massachusetts, at 126.49% (Q2 2026). Institution for Savings in Newburyport and Its Vicinity reported 126.49% on loan-to-deposit ratio for Q2 2026, 38.29 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.26B |
| Net loans and leases | $4.24B |
| Loans held for sale | $0 |
| Loans to total assets | 76.54% |
| Loan-to-deposit ratio | 126.49% |
| Net loans to equity capital | 6.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.32% |
| Multifamily (5+ residential) | 8.12% |
| Commercial and industrial | 0.10% |
| Consumer | 0.07% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 128.21% |
| Construction concentration (Tier 1 capital + allowance) | 25.49% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.39% |
| Interest income on loans | $46.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.88B | $3.25B | 10.30% | 0.11% | 0.11% |
| Q4 2023 | $4.01B | $3.26B | 10.94% | 0.08% | 0.10% |
| Q1 2024 | $4.02B | $3.13B | 10.92% | 0.11% | 0.10% |
| Q2 2024 | $4.09B | $3.14B | 11.51% | 0.11% | 0.09% |
| Q3 2024 | $4.07B | $3.13B | 11.50% | 0.09% | 0.10% |
| Q4 2024 | $4.10B | $3.36B | 11.39% | 0.08% | 0.07% |
| Q1 2025 | $4.10B | $3.32B | 11.48% | 0.07% | 0.07% |
| Q2 2025 | $4.15B | $3.26B | 11.72% | 0.08% | 0.06% |
| Q3 2025 | $4.21B | $3.19B | 11.97% | 0.12% | 0.06% |
| Q4 2025 | $4.20B | $3.18B | 12.34% | 0.07% | 0.08% |
| Q1 2026 | $4.20B | $3.31B | 12.26% | 0.06% | 0.07% |
| Q2 2026 | $4.26B | $3.37B | 12.32% | 0.10% | 0.07% |
Institution for Savings in Newburyport and Its Vicinity loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Institution for Savings in Newburyport and Its Vicinity, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Institution for Savings in Newburyport and Its Vicinity profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90250) · FFIEC NIC profile (RSSD 272302)