Bank · FDIC insured
Institution for Savings
A $5.6B bank, the 259th largest of 4,207, headquartered in Newburyport, MA, with 13 branches in Massachusetts. Best rates: CDs 4.50% and savings 0.50% APY.
Institution for Savings Carrot Score
82
Carrot Score
Higher than 60% of U.S. banks and credit unions
#50 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Institution for Savings
Institution for Savings is headquartered in Newburyport, Massachusetts.
- Headquarters
- 93 State St, Newburyport, MA 01950
- FDIC certificate
- 90250 ↗
Branches
13 branches in Massachusetts
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Massachusetts
13 branches
- Institution for Savings in Newburyport and Its VicinityMain office93 State St, Newburyport, MA 01950Directions
- Amesbury Branch150 Main St, Amesbury, MA 01913Directions
- Beverly Office4 Colon St, Beverly, MA 01915Directions
- Gloucester Branch4 Parker St, Gloucester, MA 01930Directions
- Ipswich Depot Square Office And Lending2-8 Depot Square, Ipswich, MA 01938Directions
- Middleton Branch161 S Main St, Middleton, MA 01949Directions
- Newburyport Storey Avenue Office And Residential Lending Center Branch68 Storey Ave, Newburyport, MA 01950Directions
- Rockport King Street Office37 King St, Rockport, MA 01966Directions
- Rowley Office And Commercial Lending Ctr312 Haverhill St, Rowley, MA 01969Directions
- Salem Office Branch6 Paradise Rd, Salem, MA 01970Directions
- Salisbury Office7 Bridge Rd, Salisbury, MA 01952Directions
- Hamilton Branch545 Bay Rd, South Hamilton, MA 01982Directions
- Topsfield Office Branch5 Main St, Topsfield, MA 01983Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.66% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.04% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.05% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $126 | $88 | — |
- CapitalLeverage ratio12.66%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.04%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.05%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$126Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Institution for Savings are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.