Institution for Savings in Newburyport and Its Vicinity
Institution for Savings in Newburyport and Its Vicinity reported total assets of $5.6 bn at Q2 2026, up 3.7% on a year earlier. The CET1 capital ratio at Institution for Savings in Newburyport and Its Vicinity was 16.21%, and the uninsured share of Institution for Savings in Newburyport and Its Vicinity was 27.90%. Source: FDIC Call Reports.
Key takeaways
- Institution for Savings in Newburyport and Its Vicinity reports one of the lowest net interest margin readings among banks of $1 bn to $10 bn: 1.31% at , where the median of the 339 banks is 3.66% (FDIC Call Reports).
- At 126.06%, the loan-to-deposit ratio of Institution for Savings in Newburyport and Its Vicinity sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 88.61% (FDIC Call Reports).
- Among the 339 banks of $1 bn to $10 bn, few report a lower noncurrent loans to total loans than Institution for Savings in Newburyport and Its Vicinity, at 0.04% in ; the group median is 0.58% (FDIC Call Reports).
What sets Institution for Savings in Newburyport and Its Vicinity apart
- On return on equity (ROE), Institution for Savings in Newburyport and Its Vicinity climbed from 448th to 399th among 500 US banks between and (1 = highest).
How large is Institution for Savings in Newburyport and Its Vicinity?
The balance sheet of Institution for Savings in Newburyport and Its Vicinity at : assets $5.6 bn, deposits $3.4 bn, net loans $4.2 bn (loans equal to 126.06% of deposits). Securities make up 11.7% of total assets at Institution for Savings in Newburyport and Its Vicinity. Since , when Institution for Savings in Newburyport and Its Vicinity held $2.6 bn, its assets grew 111.7%. In the year to , deposits at Institution for Savings in Newburyport and Its Vicinity rose 3.3% while its total assets rose 3.7%. At , Institution for Savings in Newburyport and Its Vicinity employed 192 full-time equivalent staff across 13 offices, about $29.0 mn of assets per employee and $259.0 mn of deposits per office.
How much funding at Institution for Savings in Newburyport and Its Vicinity is uninsured?
At Institution for Savings in Newburyport and Its Vicinity, uninsured deposits (above the FDIC limit) made up 27.90% of domestic deposits at (+1.75 pp on a year earlier); Institution for Savings in Newburyport and Its Vicinity ranks 339th of 500 on this measure. In dollars, Institution for Savings in Newburyport and Its Vicinity estimated $939.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.4 bn | +3.3% | 329th of 499 |
| Net loans and leases | $4.2 bn | +2.6% | 251st of 500 |
| Loan-to-deposit ratio | 126.06% | -0.76 pp | 9th of 500 |
| Tier 1 leverage ratio | 12.66% | +0.83 pp | 71st of 500 |
| Total risk-based capital ratio | 16.56% | +0.92 pp | 104th of 448 |
| Net interest margin | 1.31% | +0.19 pp | 493rd of 500 |
| Return on assets (ROA) | 1.05% | +0.42 pp | 364th of 500 |
| Efficiency ratio | 73.96% | -6.97 pp | 457th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $15.8 mn | Narrowed by $2.7 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $4.4 mn | Narrowed by $442,000 | |
| Noncurrent loans to total loans | 0.04% | +0.01 pp | 19th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | 0.00 pp | 49th of 500 (1 = lowest) |
US rank of Institution for Savings in Newburyport and Its Vicinity: 1 = highest unless marked 1 = lowest.
Balance sheet
Institution for Savings in Newburyport and Its Vicinity: assets, deposits and loans
- Total assets $5.6bn
- Deposits $3.4bn
- Net loans $4.2bn
Capital and securities
The CET1 ratio of Institution for Savings in Newburyport and Its Vicinity stood at 16.21% in , +0.92 pp year on year. Low and high at Institution for Savings in Newburyport and Its Vicinity since : 11.83% () to 16.21% (). Equity capital of Institution for Savings in Newburyport and Its Vicinity at : $694.6 mn, or 12.5% of total assets. Institution for Savings in Newburyport and Its Vicinity also reported a total capital ratio of 16.56% for , and a tier 1 leverage ratio of 12.66%.
On held-to-maturity securities, Institution for Savings in Newburyport and Its Vicinity carried an unrealized loss of $15.8 mn at , equal to 2.3% of equity capital. The loss narrowed by $2.7 mn over the year. Its deepest point: $26.9 mn in . The available-for-sale portfolio of Institution for Savings in Newburyport and Its Vicinity showed an unrealized loss of $4.4 mn at ; the loss narrowed by $442,000 over the year.
Institution for Savings in Newburyport and Its Vicinity: capital ratios
- Total capital 17%
- CET1 16%
- Tier 1 leverage 13%
Institution for Savings in Newburyport and Its Vicinity: unrealized securities gains and losses
- Available for sale -$4mn
- Held to maturity -$16mn
Profitability and loan quality
For the year to , Institution for Savings in Newburyport and Its Vicinity earned a return on equity of 8.46%; return on assets: 1.05%. Net interest margin at Institution for Savings in Newburyport and Its Vicinity: 1.31%, +0.19 pp in a year. Institution for Savings in Newburyport and Its Vicinity net income: $28.6 mn, up 69.2% year on year. The efficiency ratio of Institution for Savings in Newburyport and Its Vicinity was 73.96%: about 74 cents cost per revenue dollar, against 60 cents at the median peer.
At , noncurrent loans were 0.04% of total loans at Institution for Savings in Newburyport and Its Vicinity; net charge-offs: 0.00% of average loans. Gross loans and leases at Institution for Savings in Newburyport and Its Vicinity: $4.3 bn, up 2.6% in a year.
Institution for Savings in Newburyport and Its Vicinity: profitability
- Return on equity 8.5%
- Net interest margin 1.3%
- Return on assets 1.1%
Peer group of Institution for Savings in Newburyport and Its Vicinity
The peer group of Institution for Savings in Newburyport and Its Vicinity is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Institution for Savings in Newburyport and Its Vicinity (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Massachusetts. Against them, Institution for Savings in Newburyport and Its Vicinity shows CET1 ratio 16.21% against a peer median of 12.21%, return on equity 8.46% against a peer median of 11.56% and uninsured deposit share 27.90% against a peer median of 37.57%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Firstrust Savings Bank | State-chartered stock savings bank | PA | $5.6 bn | 11.80% | 16.05% | 49.66% | |
| The Cape Cod Five Cents Savings Bank | State member bank | MA | $5.6 bn | 18.18% | 7.00% | 16.36% | |
| Orrstown Bank | State member bank | PA | $5.6 bn | 12.11% | 14.99% | 29.14% | |
| Institution for Savings in Newburyport and Its Vicinity | State-chartered stock savings bank | MA | $5.6 bn | 16.21% | 8.46% | 27.90% | |
| First Internet Bank of Indiana | State nonmember bank | IN | $5.5 bn | 10.84% | 4.12% | 36.90% | |
| Great Southern Bank | State nonmember bank | MO | $5.5 bn | 13.32% | 11.61% | 38.24% | |
| The American National Bank of Texas | National bank | TX | $5.5 bn | 12.30% | 11.51% | 43.91% | |
. FDIC Call Reports.
Last eight quarters
Two years at Institution for Savings in Newburyport and Its Vicinity, to : assets +6.7%, deposits +7.5%, equity +14.5%. Staff 185 to 192; offices 15 to 13.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.2 bn | $5.3 bn | $5.3 bn | $5.4 bn | $5.4 bn | $5.4 bn | $5.4 bn | $5.6 bn |
| Total deposits | $3.1 bn | $3.4 bn | $3.3 bn | $3.3 bn | $3.2 bn | $3.2 bn | $3.3 bn | $3.4 bn |
| Bank equity capital | $606.9 mn | $607.0 mn | $609.3 mn | $635.3 mn | $660.2 mn | $668.2 mn | $668.1 mn | $694.6 mn |
| CET1 ratio | 15.21% | 15.02% | 15.03% | 15.29% | 15.67% | 15.84% | 16.19% | 16.21% |
| Return on equity (ROE) | 8.09% | 6.46% | -5.67% | 5.49% | 8.72% | 7.65% | 1.19% | 8.46% |
| Uninsured share of domestic deposits | 22.50% | 23.54% | 25.28% | 26.15% | 26.33% | 27.28% | 27.01% | 27.90% |
| Full-time equivalent employees | 185 | 185 | 187 | 191 | 182 | 185 | 183 | 192 |
| Number of offices | 15 | 15 | 15 | 13 | 13 | 13 | 13 | 13 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Institution for Savings in Newburyport and Its Vicinity appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Institution for Savings in Newburyport and Its Vicinity?
Institution for Savings in Newburyport and Its Vicinity reported $5.6 bn at in its Call Report. That makes Institution for Savings in Newburyport and Its Vicinity the 260th largest of 497 banks in our US coverage.
Is Institution for Savings in Newburyport and Its Vicinity the same as its holding company?
No. This page covers Institution for Savings in Newburyport and Its Vicinity, FDIC certificate 90250; IFS 1820 BCORP MHC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Institution for Savings in Newburyport and Its Vicinity profitable?
Institution for Savings in Newburyport and Its Vicinity reported net income of $28.6 mn for the year to ; annualized return on equity: 8.46%. So yes: Institution for Savings in Newburyport and Its Vicinity made a profit over these months.
When is data for Institution for Savings in Newburyport and Its Vicinity next updated?
Figures from Institution for Savings in Newburyport and Its Vicinity for are due after .
Where can I check the figures for Institution for Savings in Newburyport and Its Vicinity?
In the FDIC BankFind Suite record for certificate 90250, and in the Call Reports of Institution for Savings in Newburyport and Its Vicinity (RSSD ID 272302) at the FFIEC Central Data Repository.