Total Assets
$5.4B
Total balance-sheet footings
FDIC Cert #90250 · Newburyport, Massachusetts · Est. 1820
Institution for Savings in Newburyport and Its Vicinity - FDIC Bank Health Profile
A community-scale look at Institution for Savings in Newburyport and Its Vicinity's own numbers, pulled straight from its quarterly FDIC Call Report.
- $5.4B
- Total assets
- B
- Health grade · Good
- 0.91%
- Return on assets
- 15.8%
- Tier 1 capital
Data updated July 2026
The verdict
Institution for Savings in Newburyport and Its Vicinity earns a PlainBankData health grade of B (74/100), with well-capitalized at 15.84% Tier 1, 0.91% ROA, 85% efficiency ratio.
- #277
- largest of 4,313 FDIC banks by assets
- 94th
- percentile by asset size, nationally
- 15.84%
- Tier 1 ratio - above the 10% well-capitalized line
- 36th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Institution for Savings in Newburyport and Its Vicinity's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Institution for Savings in Newburyport and Its Vicinity's composite health score
Tier 1 Capital Ratio (15.84%) 40/40
Return on Assets (ROA) (0.91%) 14/25
Texas Ratio (0.12%) 20/20
Efficiency Ratio (85.06%) 0/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.2B
Customer-funded liabilities
Net Loans
$4.2B
Outstanding loan book
Net Income
$49M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Institution for Savings in Newburyport and Its Vicinity ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Institution for Savings in Newburyport and Its Vicinity's score of 74/100 falls in the highlighted band.
Institution for Savings in Newburyport and Its Vicinity's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Institution for Savings in Newburyport and Its Vicinity's $5.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.84%
Texas Ratio
0.12%
Equity Capital
$668M
Profitability metrics
Return on Assets (ROA)
36th percentile nationally
0.91%
Return on Equity (ROE)
7.65%
Efficiency Ratio
85.06%
What the numbers say about Institution for Savings in Newburyport and Its Vicinity
Institution for Savings in Newburyport and Its Vicinity is an FDIC-insured institution (Certificate #90250) headquartered in Newburyport, Massachusetts, established in 1820. It holds $5.4B in total assets - 277th of 4,313 FDIC-insured banks, $3.2B in customer deposits, and $4.2B in net loans. Its capital position: a Tier 1 ratio of 15.84%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.12% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (74 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Institution for Savings in Newburyport and Its Vicinity sits in the top decile of all FDIC-insured institutions by asset size (277th of 4,313), and within Massachusetts it ranks 10th of 91 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Leader Bank, at $5.0B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$206M
Interest Income
$9M
Non-Interest Income
$57M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Institution for Savings in Newburyport and Its Vicinity reports a Texas Ratio of 0.12% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.12% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Massachusetts by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Institution for Savings in Newburyport and Its Vicinity (FDIC Cert #90250) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| State Street Bank and Trust CompanyBoston | $360.7B | A | 0.83% |
| Eastern BankBoston | $30.6B | B | 0.39% |
| Rockland Trust CompanyRockland | $24.9B | A | 1.03% |
| Beacon Bank and TrustBrookline | $23.2B | B | 0.63% |
| Salem Five Cents Savings BankSalem | $8.5B | A | 0.89% |
| Cambridge Savings BankCambridge | $6.9B | B | 0.97% |
| Needham BankNeedham | $6.9B | B | 0.90% |
| Middlesex Savings BankNatick | $6.2B | B | 0.54% |
Frequently asked questions
What is Institution for Savings in Newburyport and Its Vicinity's health grade?▼
Institution for Savings in Newburyport and Its Vicinity receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Institution for Savings in Newburyport and Its Vicinity?▼
Institution for Savings in Newburyport and Its Vicinity holds $5.4B in total assets and $3.2B in deposits, ranking 277th of 4,313 FDIC-insured banks by asset size. It is headquartered in Newburyport, Massachusetts.
Is my money safe at Institution for Savings in Newburyport and Its Vicinity?▼
Yes, deposits at Institution for Savings in Newburyport and Its Vicinity (Certificate #90250) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Institution for Savings in Newburyport and Its Vicinity's Tier 1 Capital Ratio?▼
Institution for Savings in Newburyport and Its Vicinity has a Tier 1 Capital Ratio of 15.84%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Institution for Savings in Newburyport and Its Vicinity?▼
Institution for Savings in Newburyport and Its Vicinity has a Texas Ratio of 0.12%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Institution for Savings in Newburyport and Its Vicinity?▼
Institution for Savings in Newburyport and Its Vicinity has an Efficiency Ratio of 85.06%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Institution for Savings in Newburyport and Its Vicinity's profile as a depositor or analyst.
- Institution for Savings in Newburyport and Its Vicinity's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Institution for Savings in Newburyport and Its Vicinity against other Massachusetts banks before moving funds. Massachusetts banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.