Newtown Savings Bank
BankRegReports is independent of Newtown Savings Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Newtown Savings Bank is an FDIC-insured savings bank headquartered in Newtown, CT, established in 1855 (FDIC certificate 18199), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.87B, up 2.2% from Q2 2025, the 8th largest of 27 banks headquartered in Connecticut. Its CET1 capital ratio was 14.63% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18199
- Headquarters
- Newtown, CT
- Established
- 1855
- Total assets, Q2 2026
- $1.87B
- Assets vs Q2 2025
- +2.2%
- CET1 ratio, Q2 2026
- 14.63%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 221172296
- Latest call report
- Q2 2026, FFIEC 051 · Newtown Savings Bank call report
- Holding company
- NSB HOLDINGS, INC.
- Asset rank in state
- 8th of 27 in Connecticut
Newtown Savings Bank, based in Newtown, Connecticut, reported $1.9 billion in assets at June 30, 2026, up 2.2% from a year earlier. It holds 14% of its deposits (14%) above the FDIC insurance limit, about half the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 1.2 times its capital, about half the median of 2.2 times for banks its size.
Net income for the quarter rose 18% from a year earlier, to $3.6 million. Over the same year, loans grew 1.7% and deposits grew 5.5%. Profitability lags: it earns about $0.77 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, Newtown Savings Bank reported a CET1 capital ratio of 14.63%, a return on assets of 0.77%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 2.85%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Newtown Savings Bank is the 8th largest of the 27 banks headquartered in Connecticut. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.8% to $1.87B, loans rose 2.5% and deposits fell 3.8%. 1-4 family residential loans made up 70.8% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 9.2%. Its 19 offices in the FDIC Summary of Deposits are in 12 cities in CT; its Newtown 4 offices book 27% of its branch deposits. On its Q2 2026 call report, Newtown Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 39 Main St, Newtown, CT 06470
- County
- Western Connecticut
- Metro Area
- Bridgeport-Stamford-Danbury, CT
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1855
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 239
- Domestic deposits
- $1.57B
- Allowance for credit losses
- $19.3M
- Net charge-offs (YTD)
- $82K
- Average total assets
- $1.88B
- Average total loans
- $1.49B
- Average interest-bearing deposits
- $1.28B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1960
- FDIC Cert
- 18199
- Fed RSSD
- 507509
- Website
- www.nsbonline.com →
- Parent Holding Company
- NSB HOLDINGS, INC. (RSSD 5045435)
- Ultimate Parent
- NSB MUTUAL HOLDING COMPANY (RSSD 5045444)
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
Over the 12 quarters to Q2 2026, Newtown Savings Bank's total assets ran between $1.78B (Q2 2024) and $1.93B (Q1 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.87B total assets against $1.83B; $1.70B total liabilities against $1.68B.
$1.51B net loans and leases against $1.49B; $1.57B total deposits against $1.49B.
$210.8M securities against $211.1M; $59.2M cash and balances due against $40.1M.
$22.5M total interest income against $21.7M; $7.3M total interest expense against $7.4M.
$15.2M net interest income against $14.3M.
$3.0M total noninterest income against $2.6M; $12.9M total noninterest expense against $12.2M.
$796K provision for credit losses against $770K.
$3.6M net income against $3.1M.
0.77% return on assets against 0.67%; 3.38% net interest margin against 3.25%.
14.63% CET1 capital ratio against 13.66%; 9.48% tier 1 leverage ratio against 8.84%.
Inside the full Newtown Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNewtown Savings Bank rankings
Its closest position to the top of a national ranking is 623 of 4,196, for total assets; its furthest is 896 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.51% (Q3 2024) to 0.99% (Q4 2025) and its net interest margin ran from 2.69% (Q3 2024) to 3.38% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.63% | 0.77% | 0.37% | 2.85% | 3.38% |
| Q1 2026 | 15.00% | 0.72% | 0.47% | 3.34% | 3.20% |
| Q4 2025 | 14.29% | 0.99% | 0.52% | 4.30% | 3.25% |
| Q3 2025 | 13.95% | 0.92% | 0.39% | 3.37% | 3.25% |
| Q2 2025 | 13.66% | 0.67% | 0.43% | 3.89% | 3.25% |
| Q1 2025 | 13.82% | 0.77% | 0.37% | 3.16% | 3.08% |
| Q4 2024 | 13.56% | 0.61% | 0.21% | 1.79% | 2.96% |
| Q3 2024 | 13.89% | 0.51% | 0.21% | 1.76% | 2.69% |
Swipe the table sideways to see every column.
Branch Network
View all 19 branches → 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 |
|---|---|---|---|
| Newtown Branch | Newtown , CT | 06470 | $362.6M |
| Southbury Branch | Southbury , CT | 06488 | $156.0M |
| Brookfield Branch | Brookfield , CT | 06804 | $151.4M |
| Trumbull Branch | Trumbull , CT | 06611 | $123.5M |
| Century Plaza Shpg. Center Branch | Monroe , CT | 06468 | $115.3M |
| Danbury Branch | Danbury , CT | 06810 | $96.0M |
| Bethel Branch | Bethel , CT | 06801 | $84.5M |
| Shelton Branch | Shelton , CT | 06484 | $83.7M |
| Woodbury Branch | Woodbury , CT | 06798 | $73.8M |
| White Hills Plaza Branch | Shelton , CT | 06484 | $65.7M |
| Oxford Branch | Oxford , CT | 06478 | $65.0M |
| Plaza South Branch | Newtown , CT | 06470 | $62.1M |
| Stony Hill Road Branch | Bethel , CT | 06801 | $59.7M |
| Clock Tower Plaza Branch | Monroe , CT | 06468 | $38.9M |
| Bridgeport Office Branch | Bridgeport , CT | 06610 | $31.6M |
| Newtown Savings Bank (main office) | Newtown , CT | 06470 | $0 |
| Newtown High School Branch | Sandy Hook , CT | 06482 | $0 |
| Pomperaug Woods Branch | Southbury , CT | 06488 | $0 |
| Nsb Mobile Branch | Newtown , CT | 06470 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in CT, rank 17 of 46 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,077 applications, 748 loans originated, $280.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $555K approved, $185K 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
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Newtown Savings Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Newtown Savings Bank with peers
Frequently asked about Newtown Savings Bank
What are Newtown Savings Bank's total assets?
As of the Q2 2026 filing, Newtown Savings Bank reported total assets of $1.87 billion in its FFIEC call report.
Where is Newtown Savings Bank headquartered?
It is headquartered in Newtown, CT, United States.
When was Newtown Savings Bank founded?
It was established in 1855, per the FDIC institution directory.
Is Newtown Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #18199). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Newtown Savings Bank?
Newtown Savings Bank's primary federal regulator is the FDIC.
What is Newtown Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.63% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Newtown Savings Bank operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Newtown Savings Bank's Texas Ratio?
Its Texas Ratio is 2.85% 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.
Go deeper on Newtown Savings Bank.
Get an email when Newtown Savings Bank files its next call report, and benchmark it against any peer you choose.
Unlock Newtown Savings Bank, freeFree account