Newport Federal Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.44 percentage points higher than in Q1 2026, at 63.59%. Newport Federal Bank has the 6th lowest loan-to-deposit ratio of the 109 banks headquartered in Tennessee, at 52.72% as of Q2 2026. Newport Federal Bank reported 52.72% on loan-to-deposit ratio for Q2 2026, 28.12 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $132.1M |
| Net loans and leases | $130.4M |
| Loans held for sale | $0 |
| Loans to total assets | 47.71% |
| Loan-to-deposit ratio | 52.72% |
| Net loans to equity capital | 5.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.10% |
| Multifamily (5+ residential) | 1.70% |
| Commercial and industrial | 0.71% |
| Consumer | 2.38% |
| Credit cards | 0.00% |
| Farm | 0.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 63.59% |
| Construction concentration (Tier 1 capital + allowance) | 35.16% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.95% |
| Interest income on loans | $1.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $115.8M | $245.2M | 13.46% | 1.71% | 2.32% |
| Q4 2023 | $117.2M | $241.5M | 13.17% | 1.60% | 2.39% |
| Q1 2024 | $117.6M | $247.3M | 12.54% | 1.50% | 2.31% |
| Q2 2024 | $119.2M | $248.9M | 12.27% | 1.48% | 2.23% |
| Q3 2024 | $120.3M | $247.2M | 11.89% | 1.37% | 2.32% |
| Q4 2024 | $121.4M | $248.2M | 10.18% | 1.27% | 2.87% |
| Q1 2025 | $123.9M | $250.7M | 9.77% | 1.16% | 2.73% |
| Q2 2025 | $125.3M | $251.0M | 9.46% | 1.07% | 2.74% |
| Q3 2025 | $123.7M | $248.1M | 9.29% | 1.00% | 2.70% |
| Q4 2025 | $127.5M | $247.9M | 9.96% | 0.89% | 2.51% |
| Q1 2026 | $129.9M | $253.7M | 10.60% | 0.80% | 2.54% |
| Q2 2026 | $132.1M | $250.5M | 11.10% | 0.71% | 2.38% |
Newport Federal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Newport Federal Bank, freeSource: Call Report Schedule RC-C, 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)