Newburyport Five Cents Savings Bank: 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): 3.82 percentage points lower than in Q1 2026, at 294.97%. Within Massachusetts, Newburyport Five Cents Savings Bank is 18th of 89 on loan-to-deposit ratio, 104.02% as of Q2 2026, above the middle of the field. Newburyport Five Cents Savings Bank reported 104.02% on loan-to-deposit ratio for Q2 2026, 15.82 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.31B |
| Net loans and leases | $1.29B |
| Loans held for sale | $0 |
| Loans to total assets | 83.15% |
| Loan-to-deposit ratio | 104.02% |
| Net loans to equity capital | 9.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.98% |
| Multifamily (5+ residential) | 8.86% |
| Commercial and industrial | 9.12% |
| Consumer | 1.09% |
| Credit cards | 0.00% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 294.97% |
| Construction concentration (Tier 1 capital + allowance) | 58.29% |
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 | 5.51% |
| Interest income on loans | $18.1M |
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 | $1.33B | $1.21B | 32.51% | 11.27% | 4.48% |
| Q4 2023 | $1.34B | $1.19B | 31.85% | 11.04% | 4.18% |
| Q1 2024 | $1.36B | $1.22B | 33.66% | 10.78% | 3.62% |
| Q2 2024 | $1.36B | $1.27B | 35.25% | 10.69% | 3.17% |
| Q3 2024 | $1.36B | $1.32B | 35.71% | 11.19% | 2.73% |
| Q4 2024 | $1.36B | $1.32B | 35.61% | 10.72% | 2.34% |
| Q1 2025 | $1.34B | $1.33B | 35.64% | 10.89% | 2.08% |
| Q2 2025 | $1.34B | $1.32B | 35.82% | 10.33% | 1.81% |
| Q3 2025 | $1.35B | $1.32B | 36.10% | 9.95% | 1.54% |
| Q4 2025 | $1.33B | $1.31B | 35.83% | 9.44% | 1.40% |
| Q1 2026 | $1.31B | $1.23B | 36.28% | 9.22% | 1.26% |
| Q2 2026 | $1.31B | $1.26B | 34.98% | 9.12% | 1.09% |
Newburyport Five Cents Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Newburyport Five Cents Savings Bank, 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 Newburyport Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90251) · FFIEC NIC profile (RSSD 67209)