LENDING AREA

The Bank’s primary lending area includes the city of Newburyport and the towns of Newbury, West Newbury, Amesbury, and Salisbury, Massachusetts. It is our goal to meet the credit needs of all individuals, including low and moderate-income individuals, within this area.

In recognition that our customer base has expanded beyond our primary lending area, the following towns represent our secondary lending area. It is our goal to lend on a case-by-case basis in these communities: Merrimac, Rowley, Ipswich, Georgetown, Groveland, Massachusetts Seabrook, South Hampton, Hampton, Hampton Falls, Kensington, Kingston, East Kingston, New Hampshire.

Lending may also take place outside of the primary and secondary lending areas if, for example, the borrower has a lengthy or substantial account relationship with the Bank, or other circumstances that warrant exception. Any such exception is subject to Board of Investment approval, and must be approved as exceptions to policy.