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Institution for Savings in Newburyport and Its Vicinity
Newburyport, MA·FDIC Cert #90250·Charter: STATE·Est. 18200101.0·HC: IFS 1820 BCORP MHC
Total Assets
$5.4B
Q4 2025
Return on Assets
0.91%
-0.12%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
85.06%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
44
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.91%-0.12
ROE
7.65%-1.07
Efficiency
85.06%+5.43
Equity/Assets
0.00%+0.00
NPL Ratio
0.02%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
131.68%+0.16
Charge-offs
0.00%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.5 | 1.1 | 0.9 | 0.7 | -0.6 | 0.6 | 1.0 | 0.9 |
| ROE | 13.4 | 9.4 | 8.1 | 6.5 | -5.7 | 5.5 | 8.7 | 7.7 |
| Efficiency | 86.6 | 87.9 | 93.6 | 94.3 | 84.4 | 80.9 | 79.6 | 85.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 127.8 | 129.9 | 129.5 | 121.8 | 123.1 | 126.8 | 131.5 | 131.7 |
Balance Sheet
Total Assets$5.4B
Total Deposits$3.2B
Total Loans$4.2B
Total Equity$668.2M
Profitability
ROA0.91%
ROE7.65%
Efficiency Ratio85.06%
Net Income$48.6M
Risk & Asset Quality
NPL Ratio0.02%
Charge-off Rate0.00%
Loan/Deposit131.68%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans