Newtek Bank, N.A.: 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 Construction concentration (Tier 1 capital + allowance): 6.42 percentage points lower than in Q1 2026, at 42.86%. Within Florida, Newtek Bank, N.A. is 17th of 81 on loan-to-deposit ratio, 92.48% as of Q2 2026, above the middle of the field. Newtek Bank, N.A. reported 92.48% on loan-to-deposit ratio for Q2 2026, 4.27 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.05B |
| Net loans and leases | $2.00B |
| Loans held for sale | $470.1M |
| Loans to total assets | 82.92% |
| Loan-to-deposit ratio | 92.48% |
| Net loans to equity capital | 9.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.05% |
| Multifamily (5+ residential) | 7.54% |
| Commercial and industrial | 38.43% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 201.34% |
| Construction concentration (Tier 1 capital + allowance) | 42.86% |
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 | 9.08% |
| Interest income on loans | $39.7M |
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 | $330.2M | $444.3M | 52.19% | 23.06% | 0.00% |
| Q4 2023 | $415.3M | $519.1M | 51.06% | 27.62% | 0.00% |
| Q1 2024 | $500.0M | $565.3M | 50.64% | 28.28% | 0.00% |
| Q2 2024 | $563.7M | $663.7M | 47.95% | 28.74% | 0.00% |
| Q3 2024 | $659.5M | $745.7M | 45.41% | 29.31% | 0.00% |
| Q4 2024 | $773.6M | $1.04B | 41.00% | 33.12% | 0.00% |
| Q1 2025 | $936.1M | $1.07B | 42.50% | 33.24% | 0.00% |
| Q2 2025 | $1.11B | $1.16B | 39.42% | 35.05% | 0.00% |
| Q3 2025 | $1.27B | $1.28B | 38.29% | 36.08% | 0.00% |
| Q4 2025 | $1.41B | $1.51B | 36.51% | 37.92% | 0.00% |
| Q1 2026 | $1.69B | $1.94B | 36.08% | 39.57% | 0.00% |
| Q2 2026 | $2.05B | $2.22B | 38.05% | 38.43% | 0.00% |
Newtek Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Newtek Bank, N.A., 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 Newtek Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18734) · FFIEC NIC profile (RSSD 502111)