BlastPoint's Banking Scorecard
Newburyport Five Cents Savings Bank
Community
Specialty: Commercial
MA
FDIC cert 90251
Newburyport, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Newburyport Five Cents Savings Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 14% in Community
- - Efficiency Drag: Bottom 68% in Community
- - Return on Assets 1.31% below tier
- - Nonperforming Asset Ratio 1.29% above tier
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
-2.7% YoY
-1.4% QoQ
|
+$195.4M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$1.3B
-2.6% YoY
-1.2% QoQ
|
+$334.9M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$1.3B
-0.7% YoY
-0.5% QoQ
|
+$147.2M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
-0.15%
-50.2% YoY
-195.7% QoQ
|
-1.31% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
2.75%
+5.1% YoY
+2.7% QoQ
|
-0.91% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
94.95%
+4.6% YoY
-0.8% QoQ
|
+32.32% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
1.97%
+57.3% YoY
-33.3% QoQ
|
+1.35% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
99.89%
-1.9% YoY
-0.7% QoQ
|
+16.83% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.78%
+5.6% YoY
-5.3% QoQ
|
-6.27% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
1.79%
+72.5% YoY
-26.8% QoQ
|
+1.29% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
11.44%
+1.3% YoY
+1.7% QoQ
|
+1.20% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.15%
-22.4% YoY
+36.2% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Liquidity Strain
risk
#75 of 513 · Bottom 14% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
99.89%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#104 of 152 · Bottom 68% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
94.95%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
-0.15%
(Tier avg: 1.16%, National avg: 1.12%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
1.79%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, 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
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
41
41th pctile
Tier 1 Capital Ratio
Current: 11.44% · Tier avg: 10.24%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.78% · Tier avg: 21.05%
13
13th pctile
Loan-to-Deposit Ratio
Current: 99.89% · Tier avg: 83.06%
10
10th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.66%
10
10th pctile
Delinquency Rate
Current: 1.97% · Tier avg: 0.63%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.79% · Tier avg: 0.50%
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
2
2th pctile
Return on Assets
Current: -0.15% · Tier avg: 1.16%
2
2th pctile
Efficiency Ratio
Current: 94.95% · Tier avg: 62.63%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 94.95% · Tier avg: 62.63%
2
2th pctile
Return on Assets
Current: -0.15% · Tier avg: 1.16%
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.79% · Tier avg: 0.50%
10
10th pctile
Delinquency Rate
Current: 1.97% · Tier avg: 0.63%
10
10th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.66%
13
13th pctile
Loan-to-Deposit Ratio
Current: 99.89% · Tier avg: 83.06%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.78% · Tier avg: 21.05%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.44% · Tier avg: 10.24%
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M