What is Newburyport Five Cents Savings Bank's financial health grade?

Newburyport Five Cents Savings Bank has a TFS Financial Health Grade of F (score: 57.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Newburyport Five Cents Savings Bank have?

Newburyport Five Cents Savings Bank has 12 branch locations across the United States.

Is Newburyport Five Cents Savings Bank FDIC insured?

Yes, Newburyport Five Cents Savings Bank is FDIC insured (Certificate #90251).

What are the total assets of Newburyport Five Cents Savings Bank?

Newburyport Five Cents Savings Bank has total assets of $1.6B as reported in its most recent FDIC filing.

Newburyport Five Cents Savings Bank

BankNewburyport, Massachusetts

www.newburyportbank.com

Total Assets

$1.6B

Total Deposits

$1.3B

Branches

Established

1854

TFS Health Grade

57.8 / 100

Poor financial health

How we grade

Newburyport Five Cents Savings Bank is a bank headquartered in Newburyport, Massachusetts, established in 1854. With $1.6B in total assets and 12 branch locations, it has a TFS Financial Health Grade of F (57.8/100).

Capital & Safety

Tier 1 Capital Ratio

9.40%(8%)

Total Capital Ratio

12.69%(10%)

Non-Performing Loan Ratio

1.95%

Profitability

Return on Assets (ROA)

-0.15%(1%)

Return on Equity (ROE)

-1.73%(10%)

Net Interest Margin

2.75%

Efficiency Ratio

94.95%(60%)

Lending & Liquidity

Total Loans

$1.3B

Loan-to-Deposit Ratio

99.89%

Net Charge-Off Ratio

0.65%

Growth

Asset Growth (YoY)

-2.72%

Deposit Growth (YoY)

-0.73%

Net Income

$-2,396,000

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Newburyport Five Cents Savings BankHQ	63 State St	Newburyport	MA	11
Newburyport Five Cents Savings Bank	43 Main St	Amesbury	MA	23
Newburyport Five Cents Savings Bank	40 Friend St	Amesbury	MA	11
Newburyport Five Cents Savings Bank	27 High Rd	Newbury	MA	11
Newburyport Five Cents Savings Bank	21 Storey Ave	Newburyport	MA	11
Newburyport Five Cents Savings Bank	7 Broadway	Salisbury	MA	23
Newburyport Five Cents Savings Bank	6 Merrill St	Salisbury	MA	11
Newburyport Five Cents Savings Bank	836 Central Ave	Dover	NH	11
Newburyport Five Cents Savings Bank	141 Portsmouth Ave	Exeter	NH	11
Newburyport Five Cents Savings Bank	321 Lafayette Rd	Hampton	NH	11
Newburyport Five Cents Savings Bank	1390b Lafayette Rd	Portsmouth	NH	11
Newburyport Five Cents Savings Bank	254 State St	Portsmouth	NH	23

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.