🏦Bank Scorer

INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY

NEWBURYPORT, MA · Supervised by FDIC

Est. 1820FDIC #90,250RSSD: FDIC-90250
Part ofIFS 1820 BCORP MHC→ View all charters
Satisfactory Same

Current rating · Exam: February 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.15%

Institution Profile

FDIC BankFind

Address

93 State St, NEWBURYPORT, MA

County

Essex County

Established

January 1, 1820

Total Assets

$5.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2026

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$5.4B

Total Deposits

$3.3B

Net Loans

$4.2B

Net Income

$2M

ROA

0.15%

ROE

1.19%

Risk-Based Capital

16.55%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate12.23%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

13

Branch Deposits

$3.3B

1-Year Change

-2

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202461366.23%12.23%
20231,08673.11%7.92%
20221,88880.61%6.46%
20211,86687.78%3.86%
20201,54774.14%5.56%
20191,33372.47%7.43%
20181,29775.1%6.63%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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