Side-by-side · Q2 2026 data
Bluestone Bank vs Newburyport Five Cents Savings Bank
Bank
Newburyport Five Cents Savings Bank
Newburyport, Massachusetts · $1 billion – $10 billion
Metric by metric
| Measure | Bluestone Bank | Newburyport Five Cents Savings Bank |
|---|---|---|
| TellerScore | 51 (stronger) | 44 |
| Capital cushion | 45 | 48 (stronger) |
| Loan quality | 65 (stronger) | 45 |
| Earnings | 32 | 36 (stronger) |
| Funding & liquidity | 47 (stronger) | 29 |
| Problem-loan coverage | 82 (stronger) | 70 |
| Peer percentile | 8th | 4th |
| Total assets | $1.6B | $1.6B |
| Deposits / shares | $1.3B | $1.3B |
| Capital ratio | 9.52% | 9.76% (stronger) |
| Problem loans | 1.04% (stronger) | 1.66% |
| Net charge-offs | 0.16% (stronger) | 0.33% |
| Return on assets | 0.30% | 0.39% (stronger) |
| Loans ÷ deposits | 90.0% (stronger) | 102.7% |
| Uninsured deposits | 35.5% (stronger) | 40.4% |
| Offices | 11 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.2% |
Bluestone Bank has the higher TellerScore (51 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Bluestone Bank leads on 5 and Newburyport Five Cents Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.