$4.2B
+2.4%y/y
Percentile by value86th percentileby value
FDIC
LNLSGRIF
Institution for Savings in Newburyport and Its Vicinity
Newburyport, MassachusettsFDIC Cert #90250
STATEEstablished 182013 branches
Holding company: IFS 1820 BCORP MHCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $143M |
| Investor CRE | $371M |
| Multifamily | $338M |
| Construction | $176M |
| 1–4 family | $3.16B |
| C&I | $2.49M |
| Agriculture | $149K |
| Other | $3.02M |
Loan book
Reported balances and balance-sheet intensity.
$4.18B
+2.4%y/y
Percentile by value86th percentileby value
FDIC
LNLSNET+2.35%
+15.1%y/y
Percentile by value37th percentileby value
FDIC
LNLSNET126.2%
+2.5%y/y
Percentile by value95th percentileby value
FDIC
LNLSNET + DEP77.3%
+0.8%y/y
Percentile by value60th percentileby value
FDIC
LNLSNET + ASSET101.61%
+0.0%y/y
Percentile by value83rd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
131%
+8.0%y/y
Percentile by value30th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC26%
+66.3%y/y
Percentile by value44th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC5,852points
−6.5%y/y
Peer standing13th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD3.42%
+1.0%y/y
Percentile by value27th percentileby value
FDIC
LNRENROW + LNLSGR8.84%
+9.1%y/y
Percentile by value33rd percentileby value
FDIC
LNRENROT + LNLSGR0.06%
−18.3%y/y
Percentile by value12th percentileby value
FDIC
LNCI + LNLSGR