NEWBURYPORT, MA · Supervised by FDIC
Contact & Details
FDIC BankFindAddress
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$5.4B
Total Deposits
$3.3B
Net Loans
$4.2B
Net Income
$2M
ROA
0.15%
Below avg for Community banks. Peer avg: 0.90%
ROE
1.19%
Risk-Based Capital
16.55%
Above avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 613 | 66.23% | 12.23% |
| 2023 | 1,086 | 73.11% | 7.92% |
| 2022 | 1,888 | 80.61% | 6.46% |
| 2021 | 1,866 | 87.78% | 3.86% |
| 2020 | 1,547 | 74.14% | 5.56% |
| 2019 | 1,333 | 72.47% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Feb 2026 | Satisfactory | Large Bank |
| Nov 2021 | Satisfactory | Large Bank |
| Sep 2018 | Satisfactory | Large Bank |
9 previous ratings locked — back to 1993
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Total Branches
13
Branch Deposits
$3.3B
1-Year Change
-2
5-year net change: -2 branches
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Preview:
| 7.43% |
| 2018 | 1,297 | 75.1% | 6.63% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red