Checked
Newburyport Five Cents Savings Bank
Newburyport, MA · Part of River Run Bcorp MHC
- Total assets
- $1.57B
- Q2 2026
- Deposits
- $1.26B
- Net income
- $3.06M
- first half of 2026
- Return on assets
- 0.39%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 90251
- Main office
- Newburyport, MA
- Holding company
- River Run Bcorp MHC
- Primary federal regulator
- Federal Deposit Insurance Corporation (FDIC)
- Established
- 04/01/1854
- FDIC insured since
- 07/01/1985
- U.S. offices
- 12
- Employees (full-time equivalent)
- 159
- Specialty
- Commercial Lending Specialization
- Website
- www.newburyportbank.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.57B | $1.58B | $1.59B | $1.61B | $1.62B | $1.61B | $1.63B | $1.64B |
| Deposits | $1.26B | $1.23B | $1.31B | $1.32B | $1.32B | $1.33B | $1.32B | $1.32B |
| Net loans and leases | $1.29B | $1.3B | $1.31B | $1.33B | $1.32B | $1.33B | $1.35B | $1.34B |
| Securities | $182.8M | $182.4M | $186.5M | $186M | $178.3M | $167M | $164M | $168.2M |
| Equity capital | $142.7M | $139.6M | $139.1M | $139.2M | $138.9M | $137.8M | $136.6M | $137.7M |
| Net income (year to date) | $3.06M | $354K | -$2.4M | -$610K | $840K | $197K | -$1.59M | -$1.97M |
| Return on assets | 0.39% | 0.09% | -0.15% | -0.05% | 0.10% | 0.05% | -0.10% | -0.16% |
| Return on equity | 4.36% | 1.02% | -1.73% | -0.59% | 1.22% | 0.57% | -1.15% | -1.89% |
| Net interest margin | 2.86% | 2.82% | 2.75% | 2.68% | 2.63% | 2.55% | 2.62% | 2.65% |
| Efficiency ratio | 88.8% | 92.3% | 95.0% | 95.7% | 96.1% | 94.5% | 90.7% | 90.3% |
| Noncurrent loans | 1.68% | 2.06% | 1.97% | 2.96% | 2.60% | 1.18% | 1.25% | 1.16% |
| Net charge-off rate | 0.33% | 0.52% | 0.65% | 0.14% | 0.13% | 0.16% | 0.27% | 0.29% |
| Leverage (core capital) ratio | 9.76% | 9.54% | 9.40% | 9.44% | 9.60% | 9.44% | 9.27% | 9.36% |
| Total risk-based capital ratio | 12.92% | 12.87% | 12.69% | 12.51% | 12.67% | 12.70% | 12.55% | 12.45% |
Assets fell 2.6% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$1.17B90.6%
- Commercial and industrial loans$119.3M9.2%
- Consumer loans$14.29M1.1%
Find bank branches in Massachusetts · Employees: 159
Frequently asked questions
- What is Newburyport Five Cents Savings Bank's FDIC certificate number?
- Newburyport Five Cents Savings Bank's FDIC certificate number is 90251.
- How big is Newburyport Five Cents Savings Bank?
- Newburyport Five Cents Savings Bank reported total assets of $1.57B and deposits of $1.26B as of Q2 2026.
- Is Newburyport Five Cents Savings Bank FDIC insured?
- Yes. Newburyport Five Cents Savings Bank has been insured by the FDIC since 07/01/1985. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026