Newtek Bank, N.A.: 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.
Reserve coverage of non-performing loans dropped 13.01 percentage points in Q2 2026, from 48.85% to 35.84%. It was the largest change from Q1 2026 among the key lines here. Among 79 Florida banks, Newtek Bank, N.A. sits 2nd from the top on return on assets, 4.89% as of Q2 2026. Newtek Bank, N.A.'s return on assets of 4.89% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 3.61 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.52% |
| Tier 1 risk-based capital ratio | 11.52% |
| Total risk-based capital ratio | 12.79% |
| Tier 1 leverage ratio | 8.66% |
| Equity capital to assets | 8.33% |
| Tangible equity to tangible assets | 7.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 7.17% |
| Non-performing assets ratio | 6.08% |
| Net charge-off ratio | 1.33% |
| Texas ratio | 63.45% |
| Allowance for credit losses to loans | 2.57% |
| Reserve coverage of non-performing loans | 35.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 4.89% |
| Return on equity | 56.79% |
| Net interest margin | 4.53% |
| Efficiency ratio | 36.91% |
| Yield on earning assets | 7.92% |
| Cost of funds | 3.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.48% |
| Core deposits to total deposits | 90.32% |
| Brokered deposits to total deposits | 2.96% |
| Deposits to assets | 89.67% |
| Securities to assets | 0.61% |
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 | 23.62% | 23.62% | 24.88% | 15.18% | 6.02% |
| Q4 2023 | 21.49% | 21.49% | 22.75% | 16.62% | 10.01% |
| Q1 2024 | 17.66% | 17.66% | 18.93% | 15.50% | 5.73% |
| Q2 2024 | 17.06% | 17.06% | 18.33% | 13.76% | 6.37% |
| Q3 2024 | 15.51% | 15.51% | 16.79% | 13.30% | 6.27% |
| Q4 2024 | 14.28% | 14.28% | 15.56% | 12.05% | 6.60% |
| Q1 2025 | 13.35% | 13.35% | 14.64% | 10.46% | 1.98% |
| Q2 2025 | 12.96% | 12.96% | 14.24% | 11.37% | 4.04% |
| Q3 2025 | 12.98% | 12.98% | 14.26% | 11.19% | 3.71% |
| Q4 2025 | 12.12% | 12.12% | 13.40% | 10.27% | 2.73% |
| Q1 2026 | 11.08% | 11.08% | 12.35% | 9.09% | 4.27% |
| Q2 2026 | 11.52% | 11.52% | 12.79% | 8.66% | 4.89% |
Newtek Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Newtek Bank, N.A., 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 Newtek Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18734) · FFIEC NIC profile (RSSD 502111)