Institution for Savings in Newburyport and Its Vicinity: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Institution for Savings in Newburyport and Its Vicinity of Newburyport, MA against its peer group of 927 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.48% | 1.36% | -0.88% | 0th bottom |
| ROAE | 3.78% | 12.61% | -8.83% | 0th bottom |
| Net Interest Margin | 1.34% | 3.85% | -2.51% | 0th bottom |
| Efficiency Ratio | 72.93% | 57.49% | +15.44% | 0th bottom |
| PPNR / Avg Assets | 0.38% | — | — | 0th bottom |
| Yield on Earning Assets | 4.26% | 5.73% | -1.47% | 0th bottom |
| Cost of Funds | 3.15% | 2.01% | +1.14% | 20th bottom |
| Net Interest Spread | 1.01% | — | — | 0th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.00% | -1.00% | 100th top |
| NPA / Total Assets | 0.00% | — | — | 100th top |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 80th top |
| ACL / Total Loans | 0.33% | — | — | 0th bottom |
| ACL / NPLs (Coverage) | 14345.00% | — | — | — |
| Texas Ratio | 0.33% | 7.45% | -7.12% | 100th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.03% | 16.04% | -0.01% | 100th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.03% | 16.07% | -0.04% | 100th top |
| Total Capital Ratio | 16.37% | — | — | 100th top |
| Leverage Ratio | 12.64% | 11.12% | +1.52% | 80th top |
| Equity / Assets | 12.61% | 11.01% | +1.60% | 80th top |
| TCE / Tangible Assets | 12.47% | — | — | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 125.46% | 86.89% | +38.57% | 20th bottom |
| Core Deposit Ratio | 70.61% | 85.58% | -14.97% | 20th bottom |
| Uninsured Deposit Ratio | 28.03% | 33.12% | -5.09% | 50th above |
| Wholesale Funding Ratio | 24.32% | — | — | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.45% | — | — | 20th bottom |
| Loan Growth (Y/Y) | 2.57% | — | — | 0th bottom |
| Deposit Growth (Y/Y) | 7.89% | — | — | 60th above |
See Institution for Savings in Newburyport and Its Vicinity's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Institution for Savings in Newburyport and Its Vicinity, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Institution for Savings in Newburyport and Its Vicinity profile, how to read a UBPR, or how this data updates.