Institution for Savings in Newburyport and Its Vicinity: how it compares with its peers
Against 13 MA banks with half to twice its assets, Institution for Savings in Newburyport and Its Vicinity's strongest measure in Q2 2026 is assets per employee ($29.0M vs. a $12.5M peer median). Its weakest relative measure is net interest margin (1.31% vs. 2.80%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.05% | 0.84% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.31% | 2.80% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.96% | 63.41% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $29.0M | $12.5M | Top third Ahead of 92% of peers |
| Loans to deposits Net loans and leases over total deposits. | 126.06% | 100.66% | Context |
What it means for lending operations
Its efficiency ratio of 73.96% is above the 63.41% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Cape Cod Five Cents Savings Bank Hyannis, MA · $5.62B
- Leader Bank, National Association Arlington, MA · $5.28B
- Middlesex Savings Bank Natick, MA · $6.15B
- PeoplesBank Holyoke, MA · $4.62B
- Hingham Institution for Savings Hingham, MA · $4.56B
- Cambridge Savings Bank Cambridge, MA · $6.98B
Questions about Institution for Savings in Newburyport and Its Vicinity
How big is Institution for Savings in Newburyport and Its Vicinity?
Institution for Savings in Newburyport and Its Vicinity, established in 1820, is headquartered in Newburyport, MA. It reported $5.56B in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Institution for Savings in Newburyport and Its Vicinity's return on assets?
1.05% annualized in Q2 2026, against a 0.84% median for 13 MA banks with half to twice its assets, ahead of 69% of them.
What is Institution for Savings in Newburyport and Its Vicinity's efficiency ratio?
73.96% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 63.41%, and lower is better.
Is Institution for Savings in Newburyport and Its Vicinity growing its loans?
Net loans grew 2.6% over the year to Q2 2026, while deposits grew 3.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.