Newport Federal Bank
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Data as of · sourced from FFIEC call reports. How we update
Newport Federal Bank is an FDIC-insured savings institution headquartered in Newport, TN, established in 1934 (FDIC certificate 29089), and it is supervised by the OCC. At Q2 2026 it reported total assets of $276.8M, up 0.8% from Q2 2025, the 77th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 21.67% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29089
- Headquarters
- Newport, TN
- Established
- 1934
- Total assets, Q2 2026
- $276.8M
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 21.67%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 264271617
- Latest call report
- Q2 2026, FFIEC 051 · Newport Federal Bank call report
- Holding company
- UNITED TENNESSEE BANKSHARES
- Asset rank in state
- 77th of 109 in Tennessee
Newport Federal Bank, based in Newport, Tennessee, reported $277 million in assets at June 30, 2026. It keeps 2.84 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). On the other hand, it holds common equity equal to 21.67% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.11%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $7.8 million equal 27% of Tier 1 capital, down from 37% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 5.4% and deposits fell 0.2%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.69% of loans from 0.54% a year earlier.
As of June 30, 2026, Newport Federal Bank reported a CET1 capital ratio of 21.67%, a return on assets of 0.87%, a nonperforming-loan ratio of 0.69% and a Texas ratio of 3.85%. The figures come from its call report filed with the FFIEC.
Newport Federal Bank ranks as the 77th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.2% to $276.8M, loans rose 1.7% and deposits fell 1.3%. 1-4 family residential loans made up 75.4% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 8.2%. The FDIC Summary of Deposits lists 2 offices for it, in Newport, TN. Judged on its Q2 2026 call report, Newport Federal Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 170 W Broadway, Newport, TN 37821
- County
- Cocke
- Metro Area
- Newport, TN
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 1, 1934
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $250.5M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $278.5M
- Average total loans
- $131.0M
- Average interest-bearing deposits
- $252.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29089
- Fed RSSD
- 894272
- SEC CIK
- 1045689 → filed by UNITED TENNESSEE BANKSHARES
- Website
- www.newportfederalbank.com →
- Parent Holding Company
- UNITED TENNESSEE BANKSHARES (RSSD 3842108)
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
From Q3 2023 to Q2 2026, Newport Federal Bank's total assets ranged from $262.7M (Q3 2023) to $280.2M (Q1 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
$276.8M total assets against $274.5M; $253.6M total liabilities against $254.2M.
$130.4M net loans and leases against $123.6M; $250.5M total deposits against $251.0M.
$122.5M securities against $117.5M; $12.6M cash and balances due against $21.7M.
$3.0M total interest income against $2.8M; $1.1M total interest expense against $1.2M.
$1.9M net interest income against $1.7M.
$201K total noninterest income against $383K; $1.3M total noninterest expense against $1.3M.
$0 provision for credit losses against $0.
$606K net income against $560K.
0.87% return on assets against 0.82%; 2.84% net interest margin against 2.51%.
21.67% CET1 capital ratio against 21.42%; 10.42% tier 1 leverage ratio against 10.15%.
Inside the full Newport Federal Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNewport Federal Bank rankings
Its closest position to the top of a national ranking is 265 of 2,134, for CET1 ratio; its furthest is 2,768 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.36% (Q4 2024) to 0.87% (Q2 2026) and its net interest margin ran from 2.21% (Q3 2024) to 2.84% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.67% | 0.87% | 0.69% | 3.85% | 2.84% |
| Q1 2026 | 22.25% | 0.79% | 0.26% | 1.38% | 2.71% |
| Q4 2025 | 22.03% | 0.77% | 0.35% | 1.80% | 2.70% |
| Q3 2025 | 22.36% | 0.70% | 0.69% | 3.54% | 2.61% |
| Q2 2025 | 21.42% | 0.82% | 0.54% | 3.10% | 2.51% |
| Q1 2025 | 21.72% | 0.62% | 0.11% | 0.62% | 2.35% |
| Q4 2024 | 21.29% | 0.36% | 0.56% | 3.28% | 2.22% |
| Q3 2024 | 21.44% | 0.50% | 0.51% | 2.74% | 2.21% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Newport Federal Bank (main office) | Newport , TN | 37821 | $217.0M |
| Cosby Highway Branch | Newport , TN | 37821 | $33.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- April 6, 1993, OCC (former OTS): Supervisory Agreement: Newport Federal SLA
- Period: Most recent institution action April 6, 1993. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TN, rank 100 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 Newport Federal Bank
What are Newport Federal Bank's total assets?
As of the Q2 2026 filing, Newport Federal Bank reported total assets of $276.8 million in its FFIEC call report.
Where is Newport Federal Bank headquartered?
It is headquartered in Newport, TN, United States.
When was Newport Federal Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Newport Federal Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29089). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Newport Federal Bank?
Newport Federal Bank's primary federal regulator is the OCC.
What is Newport Federal Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.67% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Newport Federal Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Newport Federal Bank's Texas Ratio?
Its Texas Ratio is 3.85% 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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