BlastPoint's Banking Scorecard
Institution for Savings in Newburyport and Its Vicinity
Mid-Market
Specialty: Mortgage
MA
FDIC cert 90250
Designations: ✓ Community bank
Newburyport, MA
201
banks in Mid-Market tier nationally
9 in MA
View Mid-Market leaderboard (MA) →
Institution for Savings in Newburyport and Its Vicinity has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.66% below tier
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 16% in Mid-Market
- - Flatlined Growth: Bottom 40% in Mid-Market
- - Capital Constraint: Bottom 88% in Mid-Market
- - Efficiency Drag: Bottom 88% in Mid-Market
- - Net Interest Margin 2.23% below tier
- - Non-Interest Income / Assets 0.79% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.4B
+0.6% YoY
+0.4% QoQ
|
-$5.1B |
$10.5B
+2.9% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$4.2B
+2.4% YoY
-0.1% QoQ
|
-$2.9B |
$7.1B
+4.5% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$3.2B
-5.3% YoY
-0.2% QoQ
|
-$5.4B |
$8.5B
+3.0% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
0.91%
+22.7% YoY
-11.3% QoQ
|
-0.25% |
1.16%
+9.4% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
1.17%
+18.1% YoY
+1.6% QoQ
|
-2.23% |
3.40%
+7.9% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
85.06%
-9.8% YoY
+6.8% QoQ
|
+28.45% |
56.60%
-3.2% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
0.02%
-26.9% YoY
+47.8% QoQ
|
-0.66% |
0.68%
+12.0% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Top 4% in tier |
| Loan-to-Deposit Ratio ? |
131.68%
+8.1% YoY
+0.1% QoQ
|
+46.21% |
85.47%
+1.1% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.88%
+6.9% YoY
-3.9% QoQ
|
-14.76% |
20.64%
-0.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-25.6% YoY
+47.1% QoQ
|
-0.48% |
0.50%
+7.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
15.84%
+5.4% YoY
+1.0% QoQ
|
+2.29% |
13.55%
+1.8% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.16%
+1.4% YoY
+32.6% QoQ
|
-0.79% |
0.96%
+7.1% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 4%
in Mid-Market
Why this stands out
Current:
0.02%
(Tier avg: 0.68%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 6%
in Mid-Market
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (6)
Deposit Outflow
decline
#6 of 33 · Bottom 16% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Flatlined Growth
risk
#18 of 44 · Bottom 40% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.91%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Capital Constraint
risk
#8 of 9 · Bottom 88% in Mid-Market
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
131.68%
(Tier: 85.47%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
15.84%
(Tier: 13.55%, National: 9.75%)
9 of 9 Mid-Market banks match
·
57 nationally
→ Stable
-1 banks QoQ
Efficiency Drag
risk
#8 of 9 · Bottom 88% in Mid-Market
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
85.06%
(Tier: 56.60%, National: 65.09%)
9 of 9 Mid-Market banks match
·
163 nationally
→ Stable
-9 banks QoQ
Net Interest Margin
metric
Bottom 4%
in Mid-Market
Why this stands out
Current:
1.17%
(Tier avg: 3.40%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 5%
in Mid-Market
Why this stands out
Current:
0.16%
(Tier avg: 0.96%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.68%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
88
88th pctile
Tier 1 Capital Ratio
Current: 15.84% · Tier avg: 13.55%
31
31th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
21
21th pctile
Total Loans
Current: $4.2B · Tier avg: $7.1B
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 5.88% · Tier avg: 20.64%
6
6th pctile
Total Assets
Current: $5.4B · Tier avg: $10.5B
5
5th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.96%
4
4th pctile
Net Interest Margin
Current: 1.17% · Tier avg: 3.40%
3
3th pctile
Efficiency Ratio
Current: 85.06% · Tier avg: 56.60%
2
2th pctile
Loan-to-Deposit Ratio
Current: 131.68% · Tier avg: 85.47%
0
0th pctile
Total Deposits
Current: $3.2B · Tier avg: $8.5B
Top Weaknesses
0
0th pctile
Total Deposits
Current: $3.2B · Tier avg: $8.5B
2
2th pctile
Loan-to-Deposit Ratio
Current: 131.68% · Tier avg: 85.47%
3
3th pctile
Efficiency Ratio
Current: 85.06% · Tier avg: 56.60%
4
4th pctile
Net Interest Margin
Current: 1.17% · Tier avg: 3.40%
5
5th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.96%
6
6th pctile
Total Assets
Current: $5.4B · Tier avg: $10.5B
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 5.88% · Tier avg: 20.64%
21
21th pctile
Total Loans
Current: $4.2B · Tier avg: $7.1B
31
31th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
88
88th pctile
Tier 1 Capital Ratio
Current: 15.84% · Tier avg: 13.55%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
96
96th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.68%