Newburyport Five Cents Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Newburyport Five Cents Savings Bank of Newburyport, MA against its peer group of 931 similarly-sized US banks as of Q2 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 | 0.68% | 1.46% | -0.78% | 14th bottom |
| ROAE | 7.68% | 12.72% | -5.04% | 19th bottom |
| Net Interest Margin | 2.83% | 3.85% | -1.02% | 10th bottom |
| Efficiency Ratio | 85.24% | 57.39% | +27.85% | 4th bottom |
| PPNR / Avg Assets | 0.43% | 1.88% | -1.45% | 3rd bottom |
| Yield on Earning Assets | 5.21% | 5.72% | -0.51% | 30th below |
| Cost of Funds | 2.59% | 2.02% | +0.57% | 19th bottom |
| Net Interest Spread | 2.23% | 3.18% | -0.95% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.77% | 1.00% | +0.77% | 13th bottom |
| NPA / Total Assets | 1.62% | 0.76% | +0.86% | 10th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.43% | -0.29% | 24th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.28% | 1.31% | -0.03% | 68th above |
| ACL / NPLs (Coverage) | 72.32% | 543.64% | -471.32% | 17th bottom |
| Texas Ratio | 15.95% | 7.38% | +8.57% | 10th bottom |
| Provision / NCO | 66.84% | 619.00% | -552.16% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.67% | 17.34% | -5.67% | 19th bottom |
| Tier 1 Ratio | 11.67% | 17.37% | -5.70% | 18th bottom |
| Total Capital Ratio | 12.92% | 18.42% | -5.50% | 21st bottom |
| Leverage Ratio | 9.76% | 11.44% | -1.68% | 30th below |
| Equity / Assets | 9.07% | 11.34% | -2.27% | 23rd bottom |
| TCE / Tangible Assets | 9.07% | 10.50% | -1.43% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 104.02% | 86.94% | +17.08% | 10th bottom |
| Core Deposit Ratio | 81.60% | 85.56% | -3.96% | 24th bottom |
| Uninsured Deposit Ratio | 40.43% | 33.12% | +7.31% | 25th below |
| Wholesale Funding Ratio | 9.33% | 5.70% | +3.63% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.60% | 9.69% | -12.29% | 7th bottom |
| Loan Growth (Y/Y) | -2.53% | 8.06% | -10.59% | 9th bottom |
| Deposit Growth (Y/Y) | -4.86% | 7.88% | -12.74% | 5th bottom |
See Newburyport Five Cents Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Newburyport Five Cents Savings Bank, 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 Newburyport Five Cents Savings Bank profile, how to read a UBPR, or how this data updates.