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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q4QoQ -1

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

Quarterly Headline

2025-Q4

Bank #67209 2025-Q4 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.12% of assets (threshold 3%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.22% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +3

The five pillars

Liquidity

WatchQoQ -2
59
Sub-score

Liquidity is deteriorating: brokered 9.2%, loans/deposits 99.9%, cash 1.1% of assets.

Cash / Assets
1.12%
Loans / Deposits
99.89%
Brokered %
9.22%

Watch Items

  • watchCash / Assets below 3% — Cash 1.12% 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 +2
71
Sub-score

Capital position is stable: Tier 1 RBC 11.44%, CET1 11.44%, leverage 9.40%.

Tier 1 RBC
11.44%
CET1
11.44%
Leverage
9.40%
No watch items at this period.

Asset Quality

StableQoQ -6
70
Sub-score

Asset quality is stable: Adjusted NPL 1.97%, Texas Ratio 15.3%, NCO YTD 2.22%.

Adjusted NPL
1.97%
Govt-guarantees stripped
Texas Ratio
15.3%
NCO YTD
2.22%
30-89 PD
0.10%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.22% of loans.

Reserves

WatchQoQ +3
49
Sub-score

Reserves are deteriorating: ALLL 1.31% of loans, coverage 67.4%, true coverage 67.4%.

ALLL / Loans
1.31%
Coverage
67.4%
True Loss Coverage
67.4%
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