Institution for Savings in Newburyport and Its Vicinity: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Newburyport, Institution for Savings in Newburyport and Its Vicinity serves the Massachusetts market as a community-focused commercial bank, in the Greater Boston banking market. On its most recent Q3 2026 call report, Institution for Savings in Newburyport and Its Vicinity reported $5.5B in total assets against $3.4B in deposits. Profitability runs below industry average: 0.48% ROA, 3.78% ROE, with NIM at 1.34%. Capital cushions are healthy: 16.03% CET1, 12.64% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.00%. Its footprint covers 13 branches concentrated in Massachusetts.
As of September 30, 2026, Institution for Savings in Newburyport and Its Vicinity reported a CET1 capital ratio of 16.03%, a return on assets of 0.48%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 0.33%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 93 State St, Newburyport, MA 01950
- County
- Essex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1820
- Offices
- 13 domestic
- Employees (FTE)
- 183
- Domestic deposits
- $3.44B
- Allowance for credit losses
- $14.3M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $5.50B
- Average total loans
- $4.29B
- Average interest-bearing deposits
- $3.16B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 13, 1985
- FDIC Cert
- 90250
- Fed RSSD
- 272302
- Website
- www.institutionforsavings.com →
- Parent Holding Company
- IFS 1820 BANCORP, MHC (RSSD 5806739)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through September 30, 2026, as filed. Net income is tagged Q3 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Institution for Savings in Newburyport and Its Vicinity terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Institution for Savings in Newburyport and Its Vicinity, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Institution for Savings in Newburyport and Its Vicinity rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 16.03% | 0.48% | 0.00% | 0.33% | 1.34% |
| Q2 2026 | 16.21% | 1.96% | 0.01% | 0.22% | 1.36% |
| Q1 2026 | 16.19% | 0.15% | 0.01% | 0.12% | 1.30% |
| Q4 2025 | 15.84% | 0.56% | 0.02% | 0.12% | 1.23% |
| Q3 2025 | 15.67% | 1.81% | 0.00% | 0.08% | 1.22% |
| Q2 2025 | 15.29% | 1.92% | 0.01% | 0.15% | 1.16% |
| Q1 2025 | 15.03% | -0.65% | 0.01% | 0.12% | 1.09% |
| Q4 2024 | 15.02% | 0.19% | 0.01% | 0.18% | 0.96% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Newburyport Storey Avenue Office and Residential Lending Center Branch | Newburyport , MA | 01950 | $495.4M |
| Middleton Branch | Middleton , MA | 01949 | $442.6M |
| Institution for Savings in Newburyport and Its Vicinity (main office) | Newburyport , MA | 01950 | $418.7M |
| Ipswich Depot Square Office and Lending Branch | Ipswich , MA | 01938 | $404.5M |
| Topsfield Office Branch | Topsfield , MA | 01983 | $237.2M |
| Rowley Office and Commercial Lending Ctr | Rowley , MA | 01969 | $219.5M |
| Salisbury Office | Salisbury , MA | 01952 | $218.8M |
| Gloucester Branch | Gloucester , MA | 01930 | $200.7M |
| Rockport King Street Office | Rockport , MA | 01966 | $182.5M |
| Amesbury Branch | Amesbury , MA | 01913 | $158.1M |
| Beverly Office | Beverly , MA | 01915 | $149.1M |
| Salem Office Branch | Salem , MA | 01970 | $147.7M |
| Hamilton Branch | South Hamilton , MA | 01982 | $91.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 30, 2014 | Structure Change | Acquired The Rockport National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 29, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2007 | Structure Change | Acquired Ipswich Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Institution for Savings in Newburyport and Its Vicinity, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in MA, rank 17 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Institution for Savings in Newburyport and Its Vicinity
What are Institution for Savings in Newburyport and Its Vicinity's total assets?
As of the Q3 2026 filing, Institution for Savings in Newburyport and Its Vicinity reported total assets of $5.53 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Institution for Savings in Newburyport and Its Vicinity headquartered?
Institution for Savings in Newburyport and Its Vicinity is headquartered in Newburyport, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Institution for Savings in Newburyport and Its Vicinity founded?
Institution for Savings in Newburyport and Its Vicinity was established in 1820, per the FDIC institution directory.
Is Institution for Savings in Newburyport and Its Vicinity FDIC-insured?
Yes. Institution for Savings in Newburyport and Its Vicinity is an FDIC-insured commercial bank (FDIC Certificate #90250). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Institution for Savings in Newburyport and Its Vicinity?
Institution for Savings in Newburyport and Its Vicinity's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Institution for Savings in Newburyport and Its Vicinity's CET1 capital ratio?
Institution for Savings in Newburyport and Its Vicinity reported a Common Equity Tier 1 (CET1) capital ratio of 16.03% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Institution for Savings in Newburyport and Its Vicinity operate?
Institution for Savings in Newburyport and Its Vicinity operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Institution for Savings in Newburyport and Its Vicinity's Texas Ratio?
Institution for Savings in Newburyport and Its Vicinity's Texas Ratio is 0.33% in its Q3 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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