Newburyport Five Cents Sb
Newburyport, Massachusetts · FDIC Cert #90251
Newburyport Five Cents Sb is an FDIC-insured bank (Certificate #90251) with $1.6B in total assets and $1.3B in total deposits as of the Q2 2024 Call Report. Headquartered in Newburyport, Massachusetts, the bank maintains a Tier 1 capital ratio of 11.48% (Well-Capitalized) and a nonperforming loan ratio of 0.07%. BankHealthData assigns a composite Health Grade of C (64/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Newburyport Five Cents Sb (FDIC cert 90251) is a mid-sized bank with $1.6B in total assets and $1.3B in deposits, based in Newburyport, Massachusetts. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 11.48% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.07% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 11.3% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is minimal: ROA of 0.11% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Newburyport Five Cents Sb carries a composite BankHealth grade of C (64/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Newburyport Five Cents Sb
- Total Assets
- $1.6B
- Total Deposits
- $1.3B
- Tier 1 Capital Ratio
- 11.48%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.07%
- Liquidity Ratio
- 11.34%
- Return on Assets
- 0.11%
- Headquarters
- Newburyport, Massachusetts
- FDIC Certificate
- #90251
- Health Grade
- C (64/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Newburyport Five Cents Sb holds a Tier 1 capital ratio of 11.48%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Newburyport Five Cents Sb has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Newburyport Five Cents Sb shows average financial health. While not alarming, its Health Score of 64/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Newburyport Five Cents Sb Compares
Newburyport Five Cents Sb’s Health Score of 64 is 4 points below the Massachusetts state average of 68 across 97 FDIC-insured banks. Its 11.48% Tier 1 capital ratio is 2.5 points below the US banking industry average near 14%. The 0.07% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.11% is below the national ROA benchmark of ~1.1%. Among 750 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, Newburyport Five Cents Sb is 6 points below the portfolio average of 70.
Frequently Asked Questions
Newburyport Five Cents Sb has a Bank Health Score of C (64/100), placing it in average financial health. It holds a Tier 1 capital ratio of 11.48%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Newburyport Five Cents Sb's Tier 1 capital ratio of 11.48% and nonperforming loan ratio of 0.07% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Newburyport Five Cents Sb is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #90251). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Newburyport Five Cents Sb holds $1.6B in total assets and $1.3B in total deposits. It is headquartered in Newburyport, Massachusetts (FDIC Certificate #90251).
Newburyport Five Cents Sb has a Tier 1 capital ratio of 11.48%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.07%, and the return on assets is 0.11%.
Yes. Newburyport Five Cents Sb is FDIC-insured (Certificate #90251). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Newburyport Five Cents Sb's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.