# NEWBURYPORT FIVE CENTS SB
NEWBURYPORT, MA · FDIC certificate 90251 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.57B | |
| Deposits | $1.26B | |
| Loans and leases | $1.31B | |
| Total equity | $142.7M | |
| Loans / deposits | 102.69% (p90 of band) | 87.10% |
| Liquid assets / assets | 12.86% (p13 of band) | |
| Uninsured deposits / deposits | 40.43% (p75 of band) | 30.76% |
| Brokered deposits | 5.69% | |
| Wholesale funding | 15.03% (p80 of band) | |
| FHLB advances / assets | 9.32% | |
| Tier 1 leverage | 9.76% (p31 of band) | 10.50% |
| Unrealized securities loss / equity | -25.61% (p13 of band) | -7.75% |
| AOCI / equity | 0.18% (p87 of band) | |
| ROA (annualized) | 0.39% (p6 of band) | 1.26% |
| Net interest margin | 2.86% (p11 of band) | 3.70% |
| Efficiency ratio | 88.78% (p98 of band) | |
| Noncurrent loans | 1.66% (p88 of band) | 0.51% |
| Net charge-offs (annualized) | 0.27% (p90 of band) | |
| Reserve coverage of noncurrent | 76.89% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 70.22% (p72 of band) | |
| Auto loans | $1.2M (0.09% of loans; DQ 0.74%, NCO 0.00%) | |
| Loans to nondepository financials | $464,000 (0% of equity) (p73 of band) | |
| Deposits YoY | -4.9% | |
| Employees | 159 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | reserve under noncurrent |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 3 |  | brokered >10% |
| 2012-12 | 2 |  | reserve under noncurrent |
| 2013-03 | 5 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2013-06 | 3 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-09 | 2 |  | deposits shrinking |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | reserve under noncurrent |  |
| 2015-09 | 2 |  | reserve under noncurrent |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | uninsured deposits leaving |  |
| 2017-03 | 2 |  | capital falling, uninsured deposits leaving |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 | expense ratio p90 | capital falling |
| 2018-12 | 2 |  | wholesale funding >15% |
| 2019-03 | 2 | capital falling | loans exceed deposits |
| 2019-06 | 3 | securities losses >30% of equity |  |
| 2019-09 | 3 | loans exceed deposits | securities losses >30% of equity |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 | wholesale funding >15% | expense ratio p90, capital falling |
| 2020-06 | 3 | expense ratio p90 |  |
| 2020-09 | 3 | capital falling | wholesale funding >15% |
| 2020-12 | 3 | wholesale funding >15% | capital falling |
| 2021-03 | 3 | charge-offs p90 | wholesale funding >15% |
| 2021-06 | 3 | capital falling | loans exceed deposits |
| 2021-09 | 2 |  | charge-offs p90 |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | brokered >10%, charge-offs p90, construction >100% equity | expense ratio p90 |
| 2022-06 | 6 | loans exceed deposits, wholesale funding >15%, expense ratio p90 | charge-offs p90 |
| 2022-09 | 7 | liquid assets <10% |  |
| 2022-12 | 4 |  | loans exceed deposits, wholesale funding >15%, liquid assets <10% |
| 2023-03 | 4 | charge-offs p90 | construction >100% equity |
| 2023-06 | 3 | loans exceed deposits | capital falling, brokered >10% |
| 2023-09 | 5 | liquid assets <10%, securities losses >30% of equity |  |
| 2023-12 | 4 | wholesale funding >15%, deposits shrinking | charge-offs p90, liquid assets <10%, securities losses >30% of equity |
| 2024-03 | 5 | charge-offs p90 |  |
| 2024-06 | 5 | capital falling | deposits shrinking |
| 2024-09 | 4 | losing money | wholesale funding >15%, charge-offs p90 |
| 2024-12 | 4 |  |  |
| 2025-03 | 1 |  | loans exceed deposits, capital falling, losing money |
| 2025-06 | 4 | loans exceed deposits, noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 5 | losing money |  |
| 2025-12 | 6 | capital falling, charge-offs p90 | loans exceed deposits |
| 2026-03 | 7 | loans exceed deposits, wholesale funding >15%, deposits shrinking | losing money, capital falling |
| 2026-06 | 4 |  | noncurrent p90, charge-offs p90, deposits shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90251 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "90251", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide