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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Institution Savings Newburyport &

Newburyport, Massachusetts · $5.56B in assets · beside the 11 other Massachusetts banks between $3B and $10B

The filing

126.5%
Loans / deposits
11th of 12
0.04%
NPA / loans
2nd of 12
9.5x
Coverage of noncurrent
2nd of 12

Institution Savings Newburyport & is the fifth largest of the 12 Massachusetts banks nearest its size between $3B and $10B, with $5.56B in assets at 30 June 2026. Loans are 126.5% of deposits, 11th of 12 against a median of 102.7%, and equity is 12.5% of assets, 5th of 12. Loans grew +2.6% in the year, 9th of 12, and deposits grew 3.3%; the cohort's median loan growth is +3.5%.

Noncurrent loans are 0.04% of the book, 2nd of 12 against a median of 0.57%; 0.04% is 30 to 89 days past due, and the allowance covers them 9.5 times. Commercial real estate is 21.1% of loans, 3rd of 12 against a median of 33.5%, and 128% of capital, below the 300% screen, with construction at 25% against the 100% screen. CRE has grown +68.5% over 36 months, past the guidance's 50% prong.

Return on assets is 1.05%, 3rd of 12 against a median of 0.92%, on an efficiency ratio of 74.0%, 10th of 12. Five years ago it was 2.38%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsMA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 102.7% MS Middlesex Savings Bank 73.2% Uf Unibank for Savings 83.6% TB Trunorth Bank 92.7% CC Cape Cod Five Cents Savings Bank 95.7% P Peoplesbank 100.3% NB Needham Bank 102.6% LB Leader Bank National Association 102.9% NB Northern Bank & Trust Co. 102.9% BC Bristol County Savings Bank 103.5% CS Cambridge Savings Bank 108.8% IS Institution Savings Newburyport & 126.5% HI Hingham Institution for Savings 150.5%
Loans, year over yearMA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.5% NB Needham Bank +42.8% LB Leader Bank National Association +10.2% BC Bristol County Savings Bank +8.9% TB Trunorth Bank +7.5% MS Middlesex Savings Bank +6.4% NB Northern Bank & Trust Co. +3.8% P Peoplesbank +3.1% Uf Unibank for Savings +3.1% IS Institution Savings Newburyport & +2.6% CS Cambridge Savings Bank +0.9% HI Hingham Institution for Savings -0.7% CC Cape Cod Five Cents Savings Bank -5.1%

SBA 7(a), FY2008 to FY2026

Institution Savings Newburyport & is the 111th largest 7(a) lender into Massachusetts of 309, with $7M across 67 loans, 0.1% of everything approved in the state (Eastern Bank leads with $778M). 2 of its 3 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Massachusetts, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Essex, MA$7M25th of 1290.9%-0.1 pts
Middlesex, MA$120K184th of 1900.0%quiet FY2013
Hillsborough, NH$92K108th of 1170.0%quiet FY2014
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services11$2M22.7%0.00%1348th of 2,596
Health care & social assistance13$2M21.2%0.00%983rd of 2,172
Agriculture, forestry & fishing4$987K13.8%0.01%456th of 1,007
Professional & technical services6$732K10.2%0.00%1132nd of 1,955
Manufacturing7$520K7.3%0.00%1658th of 2,246
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and Institution Savings Newburyport &
EB Eastern Bank 12.2% $778M · 8,606 loans LO Live Oak Banking Company 6.9% $442M · 354 loans RT Rockland Trust Company 6.7% $426M · 1,996 loans TB TD Bank, National Association 4.6% $295M · 2,208 loans CB Citizens Bank, National Associati… 4.1% $261M · 1,649 loans BB Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans SF Salem Five Cents Savings Bank 2.8% $179M · 667 loans Ma Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans If Institution for Savings in Newbur… 0.1% $7M · 67 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Institution Savings Newburyport &RankCohort median
Total CRE against capital, the 300% screen128%2nd of 12212%
Construction against capital, the 100% screen25%6th of 1226%
Construction and land development, share of loans4.2%6th of 124.2%
Non-owner-occupied nonfarm nonresidential, share of loans8.8%2nd of 1218.3%
Total CRE, the guidance definition, share of loans21.1%3rd of 1233.5%
CRE growth over 36 months, the third prong+68.5%10th of 12+7.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Needham Bank$7.42B1.0%59.3%0.43%0.45%1.3%102.6%10.9%
Cambridge Savings Bank$6.98B0.4%75.9%1.26%0.09%1.0%108.8%10.2%
Middlesex Savings Bank$6.15B0.7%68.2%0.33%0.01%0.9%73.2%13.1%
Cape Cod Five Cents Savings Bank$5.62B0.7%71.8%0.47%0.02%0.5%95.7%10.6%
Institution Savings Newburyport &$5.56B1.1%74.0%0.04%0.00%0.3%126.5%12.5%
Leader Bank National Association$5.28B0.9%63.4%0.03%0.00%1.0%102.9%10.5%
Peoplesbank$4.62B0.4%72.0%0.57%0.21%0.6%100.3%8.9%
Hingham Institution for Savings$4.56B1.2%36.3%0.78%0.00%0.8%150.5%11.1%
Northern Bank & Trust Co.$3.38B1.9%47.1%2.07%0.07%2.2%102.9%14.1%
Trunorth Bank$3.32B1.0%60.9%0.58%0.12%0.5%92.7%14.7%
Bristol County Savings Bank$3.26B0.6%77.5%0.60%0.06%0.9%103.5%14.4%
Unibank for Savings$3.11B1.0%58.1%0.62%0.01%1.4%83.6%7.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Institution Savings Newburyport &Cohort median
20212026Change20212026Change
Loans$2.97B$4.26B+43%$2.29B$3.86B+69%
Deposits$3.31B$3.37B+2%$2.46B$3.44B+40%
NPA / loans0.04%0.04%-0.01 pts0.45%0.57%+0.13 pts
Efficiency56.3%74.0%+17.6 pts62.2%65.8%+3.6 pts
ROA2.38%1.05%-1.33 pts1.12%0.92%-0.20 pts

This read was prepared for Institution Savings Newburyport &'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Institution Savings Newburyport & is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $3B to $10B
Institution www.institutionforsavings.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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