Newport Federal Bank: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 131.95 percentage points lower than in Q1 2026, at 135.76%. Newport Federal Bank ranks 78th of 109 Tennessee banks on return on assets, in the lower half at 0.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Newport Federal Bank sits 0.38 points lower, at 0.87% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.67% |
| Tier 1 risk-based capital ratio | 21.67% |
| Total risk-based capital ratio | 22.93% |
| Tier 1 leverage ratio | 10.42% |
| Equity capital to assets | 8.39% |
| Tangible equity to tangible assets | 8.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.91% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 4.99% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 135.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.87% |
| Return on equity | 10.41% |
| Net interest margin | 2.84% |
| Efficiency ratio | 61.56% |
| Yield on earning assets | 4.38% |
| Cost of funds | 1.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.72% |
| Core deposits to total deposits | 80.05% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.49% |
| Securities to assets | 44.26% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.97% | 20.97% | 22.22% | 10.24% | 0.65% |
| Q4 2023 | 21.64% | 21.64% | 22.89% | 10.27% | 0.57% |
| Q1 2024 | 21.23% | 21.23% | 22.48% | 10.10% | 0.46% |
| Q2 2024 | 21.30% | 21.30% | 22.55% | 10.11% | 0.56% |
| Q3 2024 | 21.44% | 21.44% | 22.69% | 10.14% | 0.50% |
| Q4 2024 | 21.29% | 21.29% | 22.54% | 10.21% | 0.36% |
| Q1 2025 | 21.72% | 21.72% | 22.97% | 10.31% | 0.62% |
| Q2 2025 | 21.42% | 21.42% | 22.67% | 10.15% | 0.82% |
| Q3 2025 | 22.36% | 22.36% | 23.61% | 10.33% | 0.70% |
| Q4 2025 | 22.03% | 22.03% | 23.28% | 10.52% | 0.77% |
| Q1 2026 | 22.25% | 22.25% | 23.50% | 10.59% | 0.79% |
| Q2 2026 | 21.67% | 21.67% | 22.93% | 10.42% | 0.87% |
Newport Federal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Newport Federal Bank, 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 Newport Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29089) · FFIEC NIC profile (RSSD 894272)