Newbank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 4.82 percentage points in Q2 2026, from 85.09% to 89.91%. It was the largest change from Q1 2026 among the key lines here. Within New York, Newbank is 31st of 105 on return on assets, 1.27% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets; Newbank reported 1.27% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.00% |
| Equity capital to assets | 14.63% |
| Tangible equity to tangible assets | 14.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.65% |
| Non-performing assets ratio | 2.00% |
| Net charge-off ratio | 0.40% |
| Texas ratio | 12.73% |
| Allowance for credit losses to loans | 1.47% |
| Reserve coverage of non-performing loans | 55.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.27% |
| Return on equity | 8.57% |
| Net interest margin | 4.38% |
| Efficiency ratio | 58.31% |
| Yield on earning assets | 6.73% |
| Cost of funds | 2.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.91% |
| Core deposits to total deposits | 69.02% |
| Brokered deposits to total deposits | 0.19% |
| Deposits to assets | 83.77% |
| Securities to assets | 8.98% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.67% | 2.09% | 4.93% | 0.41% | 0.19% |
| Q4 2023 | 11.45% | 0.87% | 4.88% | 0.10% | 0.88% |
| Q1 2024 | 11.50% | 1.29% | 4.58% | 2.05% | 0.88% |
| Q2 2024 | 12.00% | 1.52% | 4.74% | 2.11% | 2.08% |
| Q3 2024 | 12.31% | 1.58% | 4.78% | 2.62% | -0.05% |
| Q4 2024 | 12.66% | 1.41% | 4.38% | 1.58% | 1.31% |
| Q1 2025 | 13.23% | 1.13% | 4.20% | 1.55% | 0.14% |
| Q2 2025 | 13.86% | 1.63% | 4.43% | 1.69% | -0.01% |
| Q3 2025 | 13.73% | 1.60% | 4.53% | 2.30% | 0.08% |
| Q4 2025 | 14.18% | 0.98% | 4.23% | 3.12% | 0.05% |
| Q1 2026 | 14.35% | 0.43% | 4.16% | 3.02% | 0.99% |
| Q2 2026 | 15.00% | 1.27% | 4.38% | 2.65% | 0.40% |
Newbank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Newbank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Newbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58203) · FFIEC NIC profile (RSSD 3472859)