🏦Bank Scorer

NEWBURYPORT FIVE CENTS SAVINGS BANK

NEWBURYPORT, MA · Supervised by FDIC

Est. 1854FDIC #90,251RSSD: FDIC-90251
Part ofRIVER RUN BCORP MHC→ View all charters
Satisfactory Same

Current rating · Exam: September 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.09%

Institution Profile

FDIC BankFind

Address

63 State St, NEWBURYPORT, MA

County

Essex County

Established

April 1, 1854

Total Assets

$1.6B(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

September 1, 2022

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.2B

Net Loans

$1.3B

Net Income

$354K

ROA

0.09%

ROE

1.02%

Risk-Based Capital

12.87%

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 Rate9.87%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$1.3B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202422378.92%9.87%
202320666.02%15.05%
202231073.55%12.90%
202152275.86%8.05%
202064472.83%10.40%
201944975.95%6.46%
201819276.56%8.85%

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

10 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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