Side-by-side · Q2 2026 data
Main Street Bank vs Newburyport Five Cents Savings Bank
Bank
Newburyport Five Cents Savings Bank
Newburyport, Massachusetts · $1 billion – $10 billion
Metric by metric
| Measure | Main Street Bank | Newburyport Five Cents Savings Bank |
|---|---|---|
| TellerScore | 58 (stronger) | 44 |
| Capital cushion | 70 (stronger) | 48 |
| Loan quality | 44 | 45 (stronger) |
| Earnings | 45 (stronger) | 36 |
| Funding & liquidity | 58 (stronger) | 29 |
| Problem-loan coverage | 78 (stronger) | 70 |
| Peer percentile | 17th | 4th |
| Total assets | $1.7B | $1.6B |
| Deposits / shares | $1.4B | $1.3B |
| Capital ratio | 12.04% (stronger) | 9.76% |
| Problem loans | 1.69% | 1.66% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.33% |
| Return on assets | 0.63% (stronger) | 0.39% |
| Loans ÷ deposits | 89.3% (stronger) | 102.7% |
| Uninsured deposits | 26.3% (stronger) | 40.4% |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.9% | 9.2% |
Main Street Bank has the higher TellerScore (58 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Main Street Bank leads on 6 and Newburyport Five Cents Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.