Newtek Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Newtek Bank, N.A. is an FDIC-insured commercial bank headquartered in Miami, FL, established in 1963 (FDIC certificate 18734), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.47B, the 17th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 11.52% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 18734
- Headquarters
- Miami, FL
- Established
- 1963
- Total assets, Q2 2026
- $2.47B
- CET1 ratio, Q2 2026
- 11.52%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 066017105
- Latest call report
- Q2 2026, FFIEC 051 · Newtek Bank, N.A. call report
- Holding company
- NEWTEKONE, INC.
- Asset rank in state
- 17th of 81 in Florida
Newtek Bank, N.A. is one of the more profitable banks of its size. It reported $2.5 billion in assets at June 30, 2026, against $1.3 billion a year earlier. It earns about $4.89 a year on every $100 of assets, 3.8 times the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 37 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $28 million, 125% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.11% of loans, down from 4.18% a year earlier. Funding is the softer spot: it pays an average of 3.59% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
As of June 30, 2026, Newtek Bank, N.A. reported a CET1 capital ratio of 11.52%, a return on assets of 4.89%, a nonperforming-loan ratio of 7.18% and a Texas ratio of 27.66%. The figures come from its call report filed with the FFIEC.
Newtek Bank, N.A. ranks as the 17th largest of the 81 banks based in Florida, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 14.5% to $2.47B, loans rose 21.5% and deposits rose 14.6%. Commercial and industrial loans made up 38.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 27.8%. The FDIC Summary of Deposits lists a single office for it, in Miami, FL. Judged on its Q2 2026 call report, Newtek Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1111 Brickell Ave, Miami, FL 33131
- County
- Miami-Dade
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 1, 1963
- Former names
- National Bank of New York City (1996-2023)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 431
- Domestic deposits
- $2.22B
- Allowance for credit losses
- $52.7M
- Net charge-offs (YTD)
- $13.7M
- Average total assets
- $2.26B
- Average total loans
- $1.75B
- Average interest-bearing deposits
- $2.04B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 1, 1963
- FDIC Cert
- 18734
- Fed RSSD
- 502111
- SEC CIK
- 1587987 → filed by NEWTEKONE, INC.
- Website
- www.newtekbank.com →
- Parent Holding Company
- NEWTEKONE, INC. (RSSD 5586741) · NEWT
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Barry Sloane | CEO | President, Chairman & CEO |
| Frank M Demaria | CFO | EVP, Chief Financial Officer |
| Schwartz Michael Adam | GC | Chief Legal Officer |
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
Newtek Bank, N.A.'s total assets moved between a low of $576.9M (Q3 2023) and a high of $2.47B (Q2 2026) from Q3 2023 to Q2 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
$2.47B total assets against $1.35B; $2.27B total liabilities against $1.20B.
$2.00B net loans and leases against $1.07B; $2.22B total deposits against $1.16B.
$15.1M securities against $14.2M; $380.1M cash and balances due against $184.5M.
$44.2M total interest income against $25.9M; $18.9M total interest expense against $9.7M.
$25.3M net interest income against $16.3M.
$51.5M total noninterest income against $32.3M; $28.4M total noninterest expense against $23.6M.
$12.1M provision for credit losses against $9.1M.
$27.6M net income against $12.3M.
4.89% return on assets against 4.04%; 4.53% net interest margin against 5.44%.
11.52% CET1 capital ratio against 12.96%; 8.66% tier 1 leverage ratio against 11.37%.
Inside the full Newtek Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Newtek Bank, N.A. rankings
Its closest position to the top of a national ranking is 16 of 3,611, for ROA; its furthest is 1,843 of 2,134, for CET1 ratio.
Metric pages for Newtek Bank, N.A.: ROA, Texas Ratio, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.98% (Q1 2025) to 6.60% (Q4 2024) and its net interest margin ran from 4.28% (Q1 2026) to 5.44% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.52% | 4.89% | 7.18% | 27.66% | 4.53% |
| Q1 2026 | 11.08% | 4.27% | 5.62% | 27.04% | 4.28% |
| Q4 2025 | 12.12% | 2.73% | 6.11% | 29.28% | 5.34% |
| Q3 2025 | 12.98% | 3.71% | 5.96% | 30.07% | 5.42% |
| Q2 2025 | 12.96% | 4.04% | 4.84% | 27.05% | 5.44% |
| Q1 2025 | 13.35% | 1.98% | 4.76% | 26.02% | 4.82% |
| Q4 2024 | 14.28% | 6.60% | 3.24% | 16.28% | 4.66% |
| Q3 2024 | 15.51% | 6.27% | 3.08% | 14.51% | 5.28% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Newtek Bank, N.A. (main office) | Miami , FL | 33131 | $2.22B |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- July 13, 2010, OCC: Formal Agreement: National Bank of New York City
- Period: Most recent institution action July 13, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in FL, rank 41 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2,325 loans, $933.6M approved, $402K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Newtek Bank, N.A.
What are Newtek Bank, N.A.'s total assets?
As of the Q2 2026 filing, Newtek Bank, N.A. reported total assets of $2.47 billion in its FFIEC call report.
Where is Newtek Bank, N.A. headquartered?
It is headquartered in Miami, FL, United States.
When was Newtek Bank, N.A. founded?
It was established in 1963, per the FDIC institution directory.
Is Newtek Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18734). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Newtek Bank, N.A.?
Newtek Bank, N.A.'s primary federal regulator is the OCC.
What is Newtek Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.52% in its Q2 2026 call report, above regulatory requirements.
How many branches does Newtek Bank, N.A. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Newtek Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 27.66% 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.
What was Newtek Bank, N.A. previously called?
The charter now named Newtek Bank, N.A. has also operated as National Bank of New York City (1996-2023), per FDIC structure-change records.
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