NEWB

NEWB refers to Newburyport Bancorp, Inc., the publicly traded holding company for Newburyport Five Cents Savings Bank (Newburyport Bank), a Massachusetts-chartered savings bank headquartered in Newburyport, Massachusetts. The bank serves customers in northeastern Massachusetts and southern New Hampshire through a branch network and digital channels, offering consumer and business deposit accounts (checking, savings, money market, and certificates of deposit), residential mortgages and home equity lending, consumer loans, and commercial banking solutions including commercial real estate and commercial and industrial lending with cash management services. Accounts are supported by online and mobile banking with functions such as electronic statements, bill payment, funds transfers, and mobile check deposit, and debit/ATM card access is available; specific features, fees, and limits depend on the account type and location. Deposits are insured by the Federal Deposit Insurance Corporation up to legal limits, and the bank is regulated by the Massachusetts Division of Banks and the FDIC; the holding company is subject to Federal Reserve oversight. As a community bank, results are primarily driven by net interest income, complemented by noninterest income from service charges and other fees; funding is largely from local consumer and business deposits, and typical risk considerations include interest rate sensitivity, deposit pricing competition, credit performance (notably in commercial real estate and small business portfolios), and operating expense control. NEWB shares trade on Nasdaq, and the company provides financial statements, capital ratios, and risk disclosures through its SEC filings and investor relations site; prospective customers and investors should review the most current account disclosures, fee schedules, and regulatory filings for up-to-date terms and performance information.