Newburyport Five Cents Savings Bank: 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.
Reserve coverage of non-performing loans climbed 12.33 percentage points in Q2 2026, from 59.99% to 72.32%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Newburyport Five Cents Savings Bank is 43rd of 89 on return on assets, 0.68% as of Q2 2026, above the middle of the field. Newburyport Five Cents Savings Bank reported 0.68% on return on assets for Q2 2026, 0.60 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.67% |
| Tier 1 risk-based capital ratio | 11.67% |
| Total risk-based capital ratio | 12.92% |
| Tier 1 leverage ratio | 9.76% |
| Equity capital to assets | 9.07% |
| Tangible equity to tangible assets | 9.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.77% |
| Non-performing assets ratio | 1.62% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 15.95% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 72.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.68% |
| Return on equity | 7.68% |
| Net interest margin | 2.83% |
| Efficiency ratio | 85.24% |
| Yield on earning assets | 5.21% |
| Cost of funds | 2.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.02% |
| Core deposits to total deposits | 81.60% |
| Brokered deposits to total deposits | 7.12% |
| Deposits to assets | 79.93% |
| Securities to assets | 11.62% |
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 | 11.13% | 11.13% | 12.21% | 9.27% | -0.06% |
| Q4 2023 | 11.78% | 11.78% | 12.84% | 9.79% | 0.39% |
| Q1 2024 | 11.38% | 11.38% | 12.40% | 9.77% | 0.18% |
| Q2 2024 | 11.48% | 11.48% | 12.54% | 9.65% | 0.07% |
| Q3 2024 | 11.19% | 11.19% | 12.45% | 9.36% | -0.73% |
| Q4 2024 | 11.29% | 11.29% | 12.55% | 9.27% | 0.09% |
| Q1 2025 | 11.45% | 11.45% | 12.70% | 9.44% | 0.05% |
| Q2 2025 | 11.42% | 11.42% | 12.67% | 9.60% | 0.16% |
| Q3 2025 | 11.25% | 11.25% | 12.51% | 9.44% | -0.36% |
| Q4 2025 | 11.44% | 11.44% | 12.69% | 9.40% | -0.44% |
| Q1 2026 | 11.62% | 11.62% | 12.87% | 9.54% | 0.09% |
| Q2 2026 | 11.67% | 11.67% | 12.92% | 9.76% | 0.68% |
Newburyport Five Cents Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Newburyport Five Cents Savings Bank, 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 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)