NEWBURYPORT, MA · Supervised by FDIC
Contact & Details
FDIC BankFindWebsite
Address
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
$1.6B
Total Deposits
$1.2B
Net Loans
$1.3B
Net Income
$354K
ROA
0.09%
Below avg for Community banks. Peer avg: 0.90%
ROE
1.02%
Risk-Based Capital
12.87%
Below 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 | 223 | 78.92% | 9.87% |
| 2023 | 206 | 66.02% | 15.05% |
| 2022 | 310 | 73.55% | 12.90% |
| 2021 | 522 | 75.86% | 8.05% |
| 2020 | 644 | 72.83% | 10.40% |
| 2019 | 449 | 75.95% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Sep 2022 | Satisfactory | Intermediate Small Bank |
| Apr 2019 | Satisfactory | Intermediate Small Bank |
| Jan 2016 | Satisfactory | Intermediate Small Bank |
8 previous ratings locked — back to 1993
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Total Branches
12
Branch Deposits
$1.3B
1-Year Change
0
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Preview:
| 2018 | 192 | 76.56% | 8.85% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red