Institution for Savings in Newburyport and Its Vicinity: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1496.07 percentage points higher than in Q1 2026, at 4733.99%. Among 89 Massachusetts banks, Institution for Savings in Newburyport and Its Vicinity sits 6th from the top on return on assets, 1.96% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, Institution for Savings in Newburyport and Its Vicinity reported 1.96% on return on assets in Q2 2026, 0.68 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.21% |
| Tier 1 risk-based capital ratio | 16.21% |
| Total risk-based capital ratio | 16.56% |
| Tier 1 leverage ratio | 12.66% |
| Equity capital to assets | 12.48% |
| Tangible equity to tangible assets | 12.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.22% |
| Allowance for credit losses to loans | 0.34% |
| Reserve coverage of non-performing loans | 4733.99% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.96% |
| Return on equity | 15.65% |
| Net interest margin | 1.36% |
| Efficiency ratio | 74.06% |
| Yield on earning assets | 4.24% |
| Cost of funds | 3.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 126.49% |
| Core deposits to total deposits | 71.32% |
| Brokered deposits to total deposits | 9.27% |
| Deposits to assets | 60.51% |
| Securities to assets | 11.71% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.49% | 14.49% | 14.87% | 11.07% | -0.72% |
| Q4 2023 | 15.40% | 15.40% | 15.78% | 11.47% | 1.53% |
| Q1 2024 | 15.41% | 15.41% | 15.79% | 11.74% | 1.54% |
| Q2 2024 | 15.29% | 15.29% | 15.66% | 11.74% | 0.62% |
| Q3 2024 | 15.21% | 15.21% | 15.57% | 11.77% | 0.65% |
| Q4 2024 | 15.02% | 15.02% | 15.38% | 11.67% | 0.19% |
| Q1 2025 | 15.03% | 15.03% | 15.39% | 11.32% | -0.65% |
| Q2 2025 | 15.29% | 15.29% | 15.64% | 11.83% | 1.92% |
| Q3 2025 | 15.67% | 15.67% | 16.02% | 12.25% | 1.81% |
| Q4 2025 | 15.84% | 15.84% | 16.19% | 12.29% | 0.56% |
| Q1 2026 | 16.19% | 16.19% | 16.55% | 12.28% | 0.15% |
| Q2 2026 | 16.21% | 16.21% | 16.56% | 12.66% | 1.96% |
Institution for Savings in Newburyport and Its Vicinity vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Institution for Savings in Newburyport and Its Vicinity, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)