Newburyport Five Cents Savings Bank: how it compares with its peers
Against 42 MA banks with half to twice its assets, Newburyport Five Cents Savings Bank's strongest measure in Q2 2026 is assets per employee ($9.9M vs. a $10.2M peer median). Its weakest relative measure is efficiency ratio (88.78% vs. 71.20%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.39% | 0.68% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.86% | 3.05% | Middle third Ahead of 36% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.78% | 71.20% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.9M | $10.2M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.69% | 93.39% | Context |
What it means for lending operations
Its efficiency ratio of 88.78% is above the 71.20% 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
- Bluestone Bank Raynham, MA · $1.62B
- Greenfield Savings Bank Greenfield, MA · $1.52B
- East Cambridge Savings Bank Cambridge, MA · $1.66B
- Main Street Bank Marlborough, MA · $1.67B
- Everett Co-operative Bank Everett, MA · $1.67B
Questions about Newburyport Five Cents Savings Bank
How big is Newburyport Five Cents Savings Bank?
Newburyport Five Cents Savings Bank, established in 1854, is headquartered in Newburyport, MA. It reported $1.57B in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Newburyport Five Cents Savings Bank's return on assets?
0.39% annualized in Q2 2026, against a 0.68% median for 42 MA banks with half to twice its assets, ahead of 10% of them.
What is Newburyport Five Cents Savings Bank's efficiency ratio?
88.78% in Q2 2026: it spent about 89 cents in noninterest expense for each dollar of revenue. The peer median is 71.20%, and lower is better.
Is Newburyport Five Cents Savings Bank growing its loans?
Net loans shrank 2.5% over the year to Q2 2026, while deposits shrank 4.9%.
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.