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Newburyport Five Cents Savings Bank

IDRSSD: 67209
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q1QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #67209 2024-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

Liquidity:Watch
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.8% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.65% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ +3
57
Sub-score

Liquidity is deteriorating: brokered 6.1%, loans/deposits 109.8%, cash 1.7% of assets.

Cash / Assets
1.65%
Loans / Deposits
109.80%
Brokered %
6.12%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.8% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.65% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -4
79
Sub-score

Capital position is stable: Tier 1 RBC 11.38%, CET1 11.38%, leverage 9.77%.

Tier 1 RBC
11.38%
CET1
11.38%
Leverage
9.77%
No watch items at this period.

Asset Quality

StrongQoQ -1
98
Sub-score

Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.6%, NCO YTD 0.35%.

Adjusted NPL
0.08%
Govt-guarantees stripped
Texas Ratio
0.6%
NCO YTD
0.35%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
82
Sub-score

Reserves are strong: ALLL 0.96% of loans, coverage 1264.1%, true coverage 495.0%.

ALLL / Loans
0.96%
Coverage
1264.1%
True Loss Coverage
495.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 19:39:52 UTC