Institution for Savings in Newburyport and Its Vicinity

Newburyport, MA

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	Institution for Savings in Newburyport and Its Vicinity Newburyport, MA	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	9.40
Capitalization Index	10.00
Liquidity Index	2.00
Profitability Index	4.90
Stability Index	8.80

Company Info	Institution for Savings in Newburyport and Its Vicinity Newburyport, MA	Click to Compare	Click to Compare	Click to Compare
FDIC Number	90250
Phone Number	(978) 462-3106
Website	www.institutionforsavings.com

Asset Quality	Institution for Savings in Newburyport and Its Vicinity Newburyport, MA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	2.60%
5-Year Asset Growth	8.74%
5-Year Charge-Offs to Average Loans	0.00%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.00%
Non-Performing Loans to Capital	0.08%
Non-Performing Loans to Loans	0.00%

Balance Sheet	Institution for Savings in Newburyport and Its Vicinity Newburyport, MA	Click to Compare	Click to Compare	Click to Compare
Total Assets	5.35B
Total Deposits	3.19B

Capital and Reserves	Institution for Savings in Newburyport and Its Vicinity Newburyport, MA	Click to Compare	Click to Compare	Click to Compare
Capital	660.25M
Leverage Ratio	12.25
Loan Loss Reserves to Loans	0.34%
Risk-Based Capital Ratio	16.02

Liquidity	Institution for Savings in Newburyport and Its Vicinity Newburyport, MA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	42.34%
Liquidity Ratio	15.61%

Profitability	Institution for Savings in Newburyport and Its Vicinity Newburyport, MA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.96%
Net Income	41.06M
Net Interest Spread	1.16%
Operating Profit to Average Assets	1.28%
Overhead Efficiency Ratio	79.63%
Return on Assets	1.03%
Return on Equity	8.74%