Newburyport Bank
Newburyport Bank is a privately held Massachusetts community bank founded in 1854 that serves retail consumers, small businesses, and high-net-worth individuals across 62 communities in Massachusetts and New Hampshire with deposits, lending, treasury management, and merchant services.
- Company typePrivate
- Founded1854
- HeadquartersNewburyport, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Newburyport Bank does
Newburyport Bank (legal name: Newburyport Five Cents Savings Bank) is a privately held community bank founded in 1854 and headquartered at 63 State Street, Newburyport, Massachusetts. The bank operates across 62 communities in Massachusetts and New Hampshire, serving retail consumers, small and mid-sized businesses, government entities, medical practices, and high-net-worth individuals through a hybrid branch-and-digital model. It is FDIC-insured, a member of the Depositors Insurance Fund (DIF), an Equal Housing Lender, and registered under NMLS #413282.
The bank's product portfolio spans the full retail and commercial banking stack. Personal banking includes checking variants (Rewards, Free, Student, Lifeline 18/65, Relationship Checking Premier), savings, money market accounts, CDs and IRAs (terms 3-60 months, rates up to 3.90% APY), mortgages, HELOCs, personal and auto loans, and credit cards. Business banking includes business checking, small business and commercial lending, treasury management, merchant services, Positive Pay fraud protection, and specialized medical and government lending. A Private Client Group addresses high-net-worth clients, and the bank operates a Charitable Foundation that awarded $1.6M to 562 local organizations in 2025 alongside 8,162 volunteer hours. Technology consists of a conventional online and mobile banking platform, a dedicated business banking portal, and a differentiated ATM-with-Live-Banker service; no proprietary AI, API, or platform products are disclosed.
The revenue model is a standard community-bank spread-plus-fee construct: net interest income from deposits and loans, augmented by treasury management, merchant services, and card fees, with community reinvestment via the foundation supporting brand and deposit-gathering. Customer acquisition relies on local brand recognition, branch presence, community engagement (Women in Business podcast, foundation activities), and digital channels including website, social media, and email. Leadership comprises President & CEO Lloyd L. Hamm Jr., SVP and Commercial Loan Officer Elliot Smith, and Director Christopher Bouton. No parent company, private equity ownership, or institutional investors are disclosed, and no M&A, funding rounds, or restructuring events appear in the available data.
Newburyport Bank firmographics
Firmographics- Name
- Newburyport Bank
- Legal name
- Newburyport Bank
- Website
- https://newburyportbank.com
- Company type
- Private
- Founded year
- 1854
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Newburyport Bank is a privately held Massachusetts community bank founded in 1854 that serves retail consumers, small businesses, and high-net-worth individuals across 62 communities in Massachusetts and New Hampshire with deposits, lending, treasury management, and merchant services.
- Ownership category
- akta.pro rank
Newburyport Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (522180), Commercial Banking (522110)
- SIC
- Savings Institutions, Not Federally Chartered (6036), State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Credit Cards & Revolving Credit (FSABAAAC)
Keywords
Where Newburyport Bank is headquartered
LocationHeadquarters
- HQ city
- Newburyport
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Newburyport Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | CDs & IRAs with rates up to 3.90% APY |
Distribution channels4 records
Marketing channels5 records
Newburyport Bank product offering
Product offeringCore offering
Newburyport Bank is a community bank offering personal and business banking products including checking and savings accounts, CDs, IRAs, mortgages, personal loans (auto, boat, HEAT), credit cards, business checking, small business lending, commercial lending, treasury management, merchant services, and medical lending. The bank also provides the Private Client Group for high-net-worth individuals and operates ATMs with Live Banker across Massachusetts and New Hampshire through physical branches and digital banking channels.
Product overview
Newburyport Bank is a community bank offering a unified suite of personal and business banking products. The core personal banking suite includes checking and savings accounts, CDs & IRAs, money markets, and deposit products (Rewards Checking, Free Checking, Student Checking, Relationship Checking Premier), alongside lending products such as mortgages, personal loans, auto loans, boat loans, and credit cards. Business banking includes business checking, business savings, small business lending, medical lending, commercial lending, treasury management, and merchant services. Additional offerings include Private Client Group for premium customers, ATM with Live Banker services, and a Charitable Foundation supporting local communities. The bank operates across Massachusetts and New Hampshire with digital banking capabilities.
Differentiator
Problem solved
Functional benefit
Companies that use Newburyport Bank
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles3 records
Newburyport Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Newburyport Bank partnerships and signals
Strategic signalScale indicators4 records
Recent moves1 record
Expansion highlights5 records
Newburyport Bank competitors and assessment
Company assessmentOthers
Broad incumbents
- Citizens Bank (Citizens Financial Group): Large regional bank with deep MA/NH presence offering the full suite of personal and business banking products at greater scale — a broader incumbent competitor for both deposits and commercial loans.
Direct peers
- Salem Five Bank: Massachusetts community bank offering personal banking, mortgages, and commercial lending with strong North Shore presence overlapping Newburyport Bank's geographic territory.
- Brookline Bank: Massachusetts-headquartered community bank offering consumer deposits, mortgages, business lending, and wealth services — directly comparable product set and customer profile.
- Century Bank: Massachusetts-chartered commercial bank serving Greater Boston with personal and business banking, commercial real estate lending, and treasury management comparable to Newburyport's offerings.
- North Shore Bank: Massachusetts-headquartered community savings bank serving the North Shore region with overlapping geography to Newburyport Bank, offering similar personal and business deposit and lending products.
- Reading Cooperative Bank: Massachusetts community bank providing deposit products, mortgages, and small business banking — comparable in size, mutual structure, and customer segments to Newburyport Bank.
- East Boston Savings Bank: Massachusetts-based mutual savings bank providing deposit accounts, residential mortgages, and small business banking — directly comparable in product mix and customer base to Newburyport Bank.
- Cambridge Savings Bank: Massachusetts-headquartered mutual community bank offering similar personal and business banking products including deposits, mortgages, and commercial lending to MA customers.
- Rockland Trust (Independence Bank Corp.): Massachusetts-based community bank with comparable personal and business banking products, commercial lending, and small business focus across Eastern MA and Southern NH.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Newburyport Bank social profiles
Digital presenceNewburyport Bank compliance and trust
Trust signalCompliance4 records
Newburyport Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Newburyport Bank leadership team
Management profileNumber of profiles
Profiles3 records
Newburyport Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Newburyport Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Newburyport Bank
What does Newburyport Bank do?
Newburyport Bank is a community bank offering personal and business banking products including checking and savings accounts, CDs, IRAs, mortgages, personal loans (auto, boat, HEAT), credit cards, business checking, small business lending, commercial lending, treasury management, merchant services, and medical lending. The bank also provides the Private Client Group for high-net-worth individuals and operates ATMs with Live Banker across Massachusetts and New Hampshire through physical branches and digital banking channels.
Is Newburyport Bank a public or private company?
Newburyport Bank is a private company. It is classified as unknown and is currently operating.
When was Newburyport Bank founded?
Newburyport Bank was founded in 1854. It employs 101 to 250 people.
Where is Newburyport Bank based?
Newburyport Bank is headquartered in Newburyport, United States, in the North America region.
Who are Newburyport Bank's main competitors?
Bank of America is listed as an others. Citizens Bank (Citizens Financial Group) is listed as a broad incumbent. Direct peers are Salem Five Bank, Brookline Bank, Century Bank, North Shore Bank, Reading Cooperative Bank, East Boston Savings Bank, Cambridge Savings Bank and Rockland Trust (Independence Bank Corp.).
Does Newburyport Bank have an API?
No public API is recorded for Newburyport Bank.
What industry is Newburyport Bank in?
Newburyport Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAB, Retail Lending (Personal Loans, Auto, Credit Lines). Its NAICS code is 522180 and its SIC code is 6036.