Bank of Newington
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Data as of · sourced from FFIEC call reports. How we update
Bank of Newington is an FDIC-insured commercial bank headquartered in Newington, GA, established in 1919 (FDIC certificate 5704), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $333.8M, up 10.9% from Q2 2025, the 61st largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 11.35% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5704
- Headquarters
- Newington, GA
- Established
- 1919
- Total assets, Q2 2026
- $333.8M
- Assets vs Q2 2025
- +10.9%
- CET1 ratio, Q2 2026
- 11.35%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 061209617
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Newington call report
- Asset rank in state
- 61st of 121 in Georgia
Bank of Newington earns an unusually wide margin on its lending. Its balance sheet stood at $334 million at June 30, 2026, up 10.9% from a year earlier; it is based in Newington, Georgia. It keeps 4.97 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans worth 3.1 times its capital, 2.6 times the median of 1.2 times for banks its size.
Deposits are coming in faster than loans: over the year loans rose 10.4% and deposits rose 14.8%. Where it has less room is capital: it holds common equity equal to 11.35% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Bank of Newington reported a CET1 capital ratio of 11.35%, a return on assets of 1.47%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 5.32%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Bank of Newington is the 61st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $333.8M, loans rose 4.1% and deposits rose 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.5% of total loans, ahead of construction and land development loans at 30.0%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in GA; its Springfield office books 41% of its branch deposits. On its Q2 2026 call report, Bank of Newington meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 224 Walton St, Newington, GA 30446
- County
- Screven
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 14, 1919
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $301.1M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $330.6M
- Average total loans
- $260.9M
- Average interest-bearing deposits
- $248.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5704
- Fed RSSD
- 948531
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Newington's total assets ran between $235.7M (Q3 2023) and $333.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$333.8M total assets against $300.9M; $304.0M total liabilities against $274.6M.
$260.1M net loans and leases against $236.1M; $301.1M total deposits against $262.3M.
$28.2M securities against $20.7M; $29.1M cash and balances due against $27.9M.
$5.9M total interest income against $5.5M; $2.0M total interest expense against $1.9M.
$4.0M net interest income against $3.6M.
$262K total noninterest income against $215K; $2.6M total noninterest expense against $2.1M.
$150K provision for credit losses against $150K.
$1.2M net income against $1.2M.
1.47% return on assets against 1.68%; 4.97% net interest margin against 5.16%.
11.35% CET1 capital ratio against 11.72%; 9.07% tier 1 leverage ratio against 9.16%.
Inside the full Bank of Newington terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Bank of Newington rankings
Its closest position to the top of a national ranking is 1,258 of 3,640, for Texas Ratio; its furthest is 1,878 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.75% (Q4 2025) to 1.68% (Q2 2025) and its net interest margin ran from 4.81% (Q1 2026) to 5.16% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.35% | 1.47% | 0.48% | 5.32% | 4.97% |
| Q1 2026 | 11.24% | 1.52% | 0.95% | 8.95% | 4.81% |
| Q4 2025 | 11.74% | 0.75% | 0.43% | 5.04% | 5.15% |
| Q3 2025 | 12.10% | 1.09% | 0.93% | 8.92% | 4.83% |
| Q2 2025 | 11.72% | 1.68% | 0.51% | 5.91% | 5.16% |
| Q1 2025 | 11.65% | 1.54% | 0.24% | 3.83% | 4.93% |
| Q4 2024 | 11.94% | 1.01% | 0.99% | 9.73% | 4.98% |
| Q3 2024 | 12.27% | 1.35% | 0.12% | 2.98% | 4.87% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Springfield Branch | Springfield , GA | 31329 | $124.2M |
| Bank of Newington (main office) | Newington , GA | 30446 | $122.4M |
| Sylvania Branch | Sylvania , GA | 30467 | $40.1M |
| Rincon Branch | Rincon , GA | 31326 | $14.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 86 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $843K approved, $843K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Newington
What are Bank of Newington's total assets?
As of the Q2 2026 filing, Bank of Newington reported total assets of $333.8 million in its FFIEC call report.
Where is Bank of Newington headquartered?
It is headquartered in Newington, GA, United States.
When was Bank of Newington founded?
It was established in 1919, per the FDIC institution directory.
Is Bank of Newington FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5704). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Newington?
Bank of Newington's primary federal regulator is the FDIC.
What is Bank of Newington's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.35% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of Newington operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Newington's Texas Ratio?
Its Texas Ratio is 5.32% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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