Newport Federal Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 4.9% to -$5.8M. Among 71 Tennessee banks, Newport Federal Bank sits 7th from the top on CET1 ratio, 21.67% as of Q2 2026. Newport Federal Bank reported 21.67% on CET1 ratio for Q2 2026, 6.60 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.67% |
| Tier 1 risk-based capital ratio | 21.67% |
| Total risk-based capital ratio | 22.93% |
| Tier 1 leverage ratio | 10.42% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $29.0M |
| Tier 1 capital | $29.0M |
| Total risk-based capital | $30.7M |
| Total equity capital | $23.2M |
| Risk-weighted assets | $133.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.39% |
| Tangible equity to tangible assets | 8.39% |
| Equity capital to average assets | 8.34% |
| Internal capital growth rate | -6.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $7.0M |
| Retained earnings | $21.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 20.97% | 20.97% | 22.22% | 10.24% | $127.0M |
| Q4 2023 | 21.64% | 21.64% | 22.89% | 10.27% | $124.8M |
| Q1 2024 | 21.23% | 21.23% | 22.48% | 10.10% | $126.3M |
| Q2 2024 | 21.30% | 21.30% | 22.55% | 10.11% | $127.6M |
| Q3 2024 | 21.44% | 21.44% | 22.69% | 10.14% | $127.9M |
| Q4 2024 | 21.29% | 21.29% | 22.54% | 10.21% | $129.9M |
| Q1 2025 | 21.72% | 21.72% | 22.97% | 10.31% | $129.3M |
| Q2 2025 | 21.42% | 21.42% | 22.67% | 10.15% | $130.0M |
| Q3 2025 | 22.36% | 22.36% | 23.61% | 10.33% | $126.7M |
| Q4 2025 | 22.03% | 22.03% | 23.28% | 10.52% | $131.0M |
| Q1 2026 | 22.25% | 22.25% | 23.50% | 10.59% | $132.2M |
| Q2 2026 | 21.67% | 21.67% | 22.93% | 10.42% | $133.8M |
Newport Federal Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Newport Federal Bank, freeSource: Call Report Schedule RC-R, 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 Newport Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29089) · FFIEC NIC profile (RSSD 894272)