Banks | Newburyport Five Cents Savings Bank
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Newburyport Five Cents Savings Bank


Newburyport Five Cents Savings Bank is an FDIC insured institution headquartered at 63 State St, Newburyport, MA 01950.
It was founded in 1854 and has approximately $2 billion in assets. Customers can open an account at one of its 9 branches.

Deposit Rates - December 09, 2025

SAVINGS RATES APY MIN
SAV
0.15% $0 Compare
SAV
0.15% $10 Compare
CD RATES APY MIN
3 Mo CD
3.29% $2,500 Compare
6 Mo CD
3.28% $2,500 Compare
9 Mo CD
3.26% $2,500 Compare
9 Mo CD
5.35% $25,000 Compare
12 Mo CD
3.25% $500 Compare
15 Mo CD
3.50% $500 Compare
15 Mo CD
5.00% $25,000 Compare
18 Mo CD
3.50% $500 Compare
24 Mo CD
3.50% $500 Compare
30 Mo CD
3.25% $500 Compare
36 Mo CD
3.25% $500 Compare
36 Mo CD
4.00% $25,000 Compare
48 Mo CD
3.25% $500 Compare
60 Mo CD
3.25% $500 Compare
MM RATES APY MIN
Money Market
0.05% $10 Compare
Money Market
0.15% $2,500 Compare
Money Market
0.30% $10,000 Compare
Money Market
0.50% $50,000 Compare
PREMM RATES APY MIN
Premium Money Market
1.01% $25,000 Compare
Premium Money Market
1.25% $75,000 Compare
Premium Money Market
1.50% $500,000 Compare
Premium Money Market
1.75% $1,000,000 Compare
FIXED IRA RATES APY MIN
15 Mo FIRA
5.00% $25,000
36 Mo FIRA
4.00% $25,000
INT CHECKING RATES APY MIN
INTCK
0.01% $0
INTCK
0.01% $100

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 90251
Date Established 1854
Assets $ 1,615.73 million
Loans $ 1,324.63 million
Deposits $ 1,322.23 million
Capital $ 138.93 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 39.36 million
Interest-bearing balances $ 26.46 million
Total securities $ 178.30 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,324.63 million
Loan loss allowance $ 17.92 million
Trading account assets $ 5.86 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.28 million
All other assets $ 38.93 million
     Total Assets $ 1,476.80 million

LIABILITIES
Total deposits $ 1,322.23 million
      Interest-bearing deposits $ 1,130.27 million
      Deposits held in domestic offices $ 1,322.23 million
      % insured (estimated)" 57.94%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 5.86 million
Other borrowed funds $ 93.21 million
Subordinated debt N.A.
All other liabilities $ 25.34 millionn
      Total Liabilities $ 1,476.80 million
      Shareholders’ Equity $ 138.93 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 40.53 million
Total Interest Expense $ 20.29 million
Net interest income $ 20.25 million
Provision for loan and lease losses $ 0.51 million
Total non interest income $ 1.15 million
Total non interest expense $ 20.55 million
Pre-tax Net Operating Income $ 5.09 million

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Branches

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Newburyport Five Cents Savings Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Newburyport Five Cents Savings Bank
    Bank
    -
    $50,000
    N.A.
    0.15%
    0.66x (National Avg. - 0.23%)
    $0
    -
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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