Institution for Savings in Newburyport and Its Vicinity
Newburyport, MA
IDRSSD: 272302
Total Assets
$5.41B
Latest filing
Total Deposits
$3.31B
Latest filing
Net Interest Margin
1.29%
Profitability
Key People
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Locations
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Main Office
Institution for Savings in Newburyport and Its Vicinity
93 State St
Newburyport, MA 01950
Full Service - Brick and Mortar
Updated 04/03/2026Established 01/01/1820FDIC Certificate 17840
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Institution for Savings in Newburyport and Its Vicinity (Main) | 93 State St | Newburyport, MA |
| ROCKPORT KING STREET OFFICE | 37 King St | Rockport, MA |
| NEWBURYPORT STOREY AVENUE OFFICE AND RESIDENTIAL LENDING CENTER BRANCH | 68 Storey Ave | Newburyport, MA |
| IPSWICH DEPOT SQUARE OFFICE AND LENDING | 28 Depot Sq | Ipswich, MA |
| SALISBURY OFFICE | 7 Bridge Rd | Salisbury, MA |
| GLOUCESTER BRANCH | 4 Parker St | Gloucester, MA |
| ROWLEY OFFICE AND COMMERCIAL LENDING CTR | 312 Haverhill St | Rowley, MA |
| BEVERLY OFFICE | 4 Colon St | Beverly, MA |
Showing 7 of 12
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1820 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01950 |
| State and County Number | 25009 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | — |
| Core Based Statistical Area Name | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 185 |
| Domestic Offices | 13 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 08/13/1985 |
| Primary Insurance Agency | DIF |
| Website | www.institutionforsavings.com |
| Data Updated | 04/03/2026 |
| CERT | 90250 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $5.41B |
| Total Deposits | $3.31B |
| Total Liabilities | $4.74B |
| Total Equity Capital | $669.56M |
| Net Income | $1.99M |
| Net Loans and Leases | $4.18B |
| Assets Per Employee ($Millions) | $29.56M |
| Bank Premises and Fixed Assets | $56.02M |
| Cash and Balances due from Depository Institutions | $271.24M |
| Deposits Held in Domestic Offices | $3.31B |
Key Performance Ratios
| Return on Assets (ROA) | 0.15% |
| Return on Equity (ROE) | 1.19% |
| Net Interest Margin | 1.29% |
| Efficiency Ratio | 73.66% |
| Tier 1 Risk-Based Capital Ratio | 16.224% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.38% |
| Earning Assets to total Assets | 93.47% |
Income and Expense
| Total Interest Income | $52.09M |
| Total Noninterest Income | $2.33M |
| Total Interest Expense | $35.85M |
| Total Noninterest Expense | $13.68M |
| Net Interest Income | $16.24M |
| Pre-tax Net Operating Income | $4.89M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $1.37B |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.56M |
| Federal Funds Purchased and Repurchased Agreement | $3.46M |
| All Other Liabilities | $48.80M |
| Total Liabilities and Capital | $5.41B |
Securities
| Securities | $611.69M |
| Available-for-sale debt securities | $99.29M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $119.58M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Institution for Savings in Newburyport and Its Vicinity?
$5.41B as of the latest filing.
How much are Institution for Savings in Newburyport and Its Vicinity's total deposits?
$3.31B in total deposits.
Where is Institution for Savings in Newburyport and Its Vicinity located?
Newburyport, MA.
What is the Net Interest Margin?
1.29%.
How many domestic offices does it operate?
13.
When was it established?
01/01/1820.
What is the Return on Assets (ROA)?
0.15%.
How much are total loans and leases?
$4.18B (latest filing).
What is the total interest income (latest filing)?
$52.09M.