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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q2QoQ -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-Q2

Bank #67209 2024-Q2 Vital Signs Score: 82/100 — 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 106.2% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.07% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ +1
59
Sub-score

Liquidity is deteriorating: brokered 8.2%, loans/deposits 106.2%, cash 2.1% of assets.

Cash / Assets
2.07%
Loans / Deposits
106.18%
Brokered %
8.21%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.2% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.07% 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 -7
72
Sub-score

Capital position is stable: Tier 1 RBC 11.48%, CET1 11.48%, leverage 9.65%.

Tier 1 RBC
11.48%
CET1
11.48%
Leverage
9.65%
No watch items at this period.

Asset Quality

StrongQoQ +1
98
Sub-score

Asset quality is strong: Adjusted NPL 0.07%, Texas Ratio 0.6%, NCO YTD 0.26%.

Adjusted NPL
0.07%
Govt-guarantees stripped
Texas Ratio
0.6%
NCO YTD
0.26%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
83
Sub-score

Reserves are strong: ALLL 0.98% of loans, coverage 1363.1%, true coverage 525.8%.

ALLL / Loans
0.98%
Coverage
1363.1%
True Loss Coverage
525.8%
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