Newburyport Five Cents Savings Bank

Newburyport Five Cents Savings Bank, based in Newburyport, Massachusetts, reported $1.6 billion in assets at June 30, 2026, down 2.6% from a year earlier. It keeps 2.83 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also carries problem assets equal to 14.9% of the capital and reserves that would absorb them, 4.2 times the median of 3.6% for banks its size.

Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $2.1 million on paper in the quarter, out of $3.3 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.64% of loans, down from 2.56% a year earlier. Funding is the softer spot: it pays an average of 2.59% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).

As of June 30, 2026, Newburyport Five Cents Savings Bank reported a CET1 capital ratio of 11.67%, a return on assets of 0.68%, a nonperforming-loan ratio of 1.66% and a Texas ratio of 14.92%. The figures come from its call report filed with the FFIEC.