Newburyport Five Cents Savings Bank
Newburyport, MA
IDRSSD: 67209
Total Assets
$1.61B
Latest filing
Total Deposits
$1.32B
Latest filing
Net Interest Margin
2.78%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Newburyport Five Cents Savings Bank
63 State St
Newburyport, MA 01950
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/01/1854FDIC Certificate 17841
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Newburyport Five Cents Savings Bank (Main) | 63 State St | Newburyport, MA |
| SALISBURY BRANCH | 6 Merrill St | Salisbury, MA |
| NEWBURY BRANCH | 27 High Rd | Newbury, MA |
| NEWBURYPORT BRANCH | 21 Storey Ave | Newburyport, MA |
| AMESBURY BRANCH | 40 Friend St | Amesbury, MA |
| AMESBURY MAIN STREET BRANCH | 43 Main St | Amesbury, MA |
| PORTSMOUTH BRANCH | 254 State St | Portsmouth, NH |
| PORTSMOUTH - LAFAYETTE RD BRANCH | 1390b Lafayette Rd | Portsmouth, NH |
Showing 7 of 11
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Institution for Savings in Newburyport and Its Vicinity
Newburyport, Massachusetts
→
Assets: $5.37BΔ +232.2%
East Cambridge Savings Bank
Cambridge, Massachusetts
→
Assets: $1.61BΔ -0.5%
Cape & Coast Bank
Yarmouth Port, Massachusetts
→
Assets: $1.64BΔ +1.2%
Bluestone Bank
Raynham, Massachusetts
→
Assets: $1.59BΔ -1.9%
Fidelity Co-operative Bank
Leominster, Massachusetts
→
Assets: $1.58BΔ -2.2%
Bankhometown
Oxford, Massachusetts
→
Assets: $1.58BΔ -2.3%
Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 04/01/1854 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01950 |
| State and County Number | 25009 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 167 |
| Domestic Offices | 12 |
| 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 | 07/01/1985 |
| Primary Insurance Agency | DIF |
| Website | www.newburyportbank.com |
| Data Updated | 11/14/2025 |
| CERT | 90251 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.61B |
| Total Deposits | $1.32B |
| Total Liabilities | $1.47B |
| Total Equity Capital | $139.19M |
| Net Income | $-1,450,000 |
| Net Loans and Leases | $1.33B |
| Assets Per Employee ($Millions) | $10.12M |
| Bank Premises and Fixed Assets | $19.25M |
| Cash and Balances due from Depository Institutions | $24.52M |
| Deposits Held in Domestic Offices | $1.32B |
Key Performance Ratios
| Return on Assets (ROA) | -0.36% |
| Return on Equity (ROE) | -4.17% |
| Net Interest Margin | 2.78% |
| Efficiency Ratio | 94.93% |
| Tier 1 Risk-Based Capital Ratio | 11.254% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.97% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.652% |
| Earning Assets to total Assets | 95.03% |
Income and Expense
| Total Interest Income | $20.61M |
| Total Noninterest Income | $655.00k |
| Total Interest Expense | $9.96M |
| Total Noninterest Expense | $10.73M |
| Net Interest Income | $10.65M |
| Pre-tax Net Operating Income | $-3,344,000 |
| Provision for Credit Losses | $3.92M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $118.30M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $28.02M |
| Total Liabilities and Capital | $1.61B |
Securities
| Securities | $186.00M |
| Available-for-sale debt securities | $168.33M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $5.37M |
| Trading Liabilities | $5.37M |
Frequently Asked Questions
What are the total assets of Newburyport Five Cents Savings Bank?
$1.61B as of the latest filing.
How much are Newburyport Five Cents Savings Bank's total deposits?
$1.32B in total deposits.
Where is Newburyport Five Cents Savings Bank located?
Newburyport, MA.
What is the Net Interest Margin?
2.78%.
How many domestic offices does it operate?
12.
When was it established?
04/01/1854.
What is the Return on Assets (ROA)?
-0.36%.
How much are total loans and leases?
$1.33B (latest filing).
What is the total interest income (latest filing)?
$20.61M.