Newburyport Five Cents Savings Bank

Newburyport Five Cents Savings Bank is a currently active commercial lending specialization banking institution headquartered in Newburyport, Massachusetts. Established in 04/01/1854, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Newburyport Five Cents Savings Bank manages $1.58B in total assets and holds $1.23B in customer deposits. When evaluating the stability of Newburyport Five Cents Savings Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 8.85%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.09%, while its Return on Equity (ROE) sits at 1.02%. These figures yield a lower health score of 4.1 out of 10, indicating potential areas for operational improvement and tighter capital management.