Headquartered in Newburyport, Massachusetts, Institution for Savings in Newburyport and Its Vicinity is a si with $5.6B in total assets and $3.4B in deposits as of Q2 2026. It operates 13 offices. Its charter dates back to 1820.
Based on its Q2 2026 filing, Institution for Savings in Newburyport and Its Vicinity scores 76/100, which we describe as strong. That is higher than 80% of 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 11th. Its strongest component is problem-loan coverage (100/100; 0.2%), and its lowest is funding & liquidity (36/100; 126% loans-to-deposits, 28% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (70 → 76), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 73 |
| Q4 2024 | 71 |
| Q1 2025 | 60 |
| Q2 2025 | 70 |
| Q3 2025 | 75 |
| Q4 2025 | 73 |
| Q1 2026 | 67 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.74% |
| Q3 2024 | 11.77% |
| Q4 2024 | 11.67% |
| Q1 2025 | 11.32% |
| Q2 2025 | 11.83% |
| Q3 2025 | 12.25% |
| Q4 2025 | 12.29% |
| Q1 2026 | 12.28% |
| Q2 2026 | 12.66% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.04% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.07% |
| Q3 2024 | 0.93% |
| Q4 2024 | 0.74% |
| Q1 2025 | -0.65% |
| Q2 2025 | 0.63% |
| Q3 2025 | 1.02% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.15% |
| Q2 2026 | 1.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $5.6B | 12.66% | 0.04% | 1.05% | 126.1% |
| Q1 2026 | 67 | $5.4B | 12.28% | 0.02% | 0.15% | 126.2% |
| Q4 2025 | 73 | $5.4B | 12.29% | 0.02% | 0.91% | 131.7% |
| Q3 2025 | 75 | $5.4B | 12.25% | 0.01% | 1.02% | 131.5% |
| Q2 2025 | 70 | $5.4B | 11.83% | 0.02% | 0.63% | 126.8% |
| Q1 2025 | 60 | $5.3B | 11.32% | 0.02% | -0.65% | 123.1% |
| Q4 2024 | 71 | $5.3B | 11.67% | 0.03% | 0.74% | 121.8% |
| Q3 2024 | 73 | $5.2B | 11.77% | 0.03% | 0.93% | 129.5% |
| Q2 2024 | 74 | $5.2B | 11.74% | 0.03% | 1.07% | 129.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Cape Cod Five Cents Savings BankBank Hyannis, MA | 68 out of 100, Moderate | $5.6B | 11.1% | 0.47% | vs |
| Leader Bank, National AssociationBank Arlington, MA | 71 out of 100, Strong | $5.3B | 11.6% | 0.03% | vs |
| Middlesex Savings BankBank Natick, MA | 79 out of 100, Strong | $6.1B | 13.4% | 0.33% | vs |
| PeoplesBankBank Holyoke, MA | 57 out of 100, Moderate | $4.6B | 9.3% | 0.57% | vs |
| Hingham Institution for SavingsBank Hingham, MA | 64 out of 100, Moderate | $4.6B | 11.2% | 0.78% | vs |
| Cambridge Savings BankBank Cambridge, MA | 51 out of 100, Below average | $7.0B | 10.2% | 1.26% | vs |
Deposit insurance
Is my money safe at Institution for Savings in Newburyport and Its Vicinity?
Yes. Institution for Savings in Newburyport and Its Vicinity is an FDIC-insured institution (FDIC certificate #90250). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.9% of deposits ($939.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.66%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.56% (benchmark: 10%).
13 locations
Branches
Institution for Savings in Newburyport and Its Vicinity lists 13 offices in 12 cities. Most locations:
- Newburyport, MA (2)
- Amesbury, MA (1)
- Beverly, MA (1)
- Gloucester, MA (1)
- Ipswich, MA (1)
- Middleton, MA (1)
- Rockport, MA (1)
- Rowley, MA (1)
- Salem, MA (1)
- Salisbury, MA (1)
- South Hamilton, MA (1)
- Topsfield, MA (1)
HMDA 2025
Mortgage lending
In 2025, Institution for Savings in Newburyport and Its Vicinity reported 675 home-loan applications under HMDA (LEI 5493001QVY14BXG42N39): 477 originated ($275,165,000 total), 68 denied, and 126 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Institution for Savings in Newburyport and Its Vicinity
- Type
- SI
- FDIC certificate #
- 90250
- RSSD ID
- 272302
- Primary regulator
- FDIC
- Holding company
- Ifs 1820 Bcorp Mhc
- Established
- January 1, 1820
- Headquarters
- 93 State St, Newburyport, MA 01950
- Employees
- 192
Quick answers
Institution for Savings in Newburyport and Its Vicinity: common questions
Is Institution for Savings in Newburyport and Its Vicinity FDIC insured?
Yes. Institution for Savings in Newburyport and Its Vicinity is an FDIC-insured institution (FDIC certificate #90250). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Institution for Savings in Newburyport and Its Vicinity's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Institution for Savings in Newburyport and Its Vicinity ever failed?
There is no failure record for FDIC certificate #90250 in the FDIC failed bank list.
How many branches does Institution for Savings in Newburyport and Its Vicinity have?
13 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Newburyport
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Danvers Municipal Federal Credit UnionCredit union Danvers, MA | 91 out of 100, Very strong | $8.2M | 39.0% | 0.00% | vs |
| Billerica Municipal Employees Credit UnionCredit union Billerica, MA | 91 out of 100, Very strong | $23.6M | 17.8% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Brookline Municipal Credit UnionCredit union Brookline, MA | 88 out of 100, Very strong | $51.0M | 13.4% | 0.03% | vs |
| Cape Ann Savings BankBank Gloucester, MA | 86 out of 100, Very strong | $1.1B | 20.5% | 0.59% | vs |
| Manchester Federal Credit UnionCredit union Manchester, MA | 86 out of 100, Very strong | $1.2M | 17.1% | 0.00% | vs |