Newtek Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 7.17% from 5.66% in the prior period. Newtek Bank, N.A. is a community bank chartered in 1963, based in Miami, FL. Profitability is strong, 4.89% ROA, paired with 56.79% ROE and a 4.53% net interest margin. Newtek Bank's Q2 2026 balance sheet shows $2.5B in assets funded primarily by $2.2B in customer deposits. Capital is comfortably above regulatory requirements, CET1 ratio of 11.52% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics show stress, 7.17% NPLs and a 63.45% Texas Ratio above the 100% historical failure threshold. The bank operates from a single office.
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 7.17%, a Texas ratio of 63.45%, per financial data filed with the FFIEC.
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)
- Offices
- 1 domestic
- Employees (FTE)
- 431
- Domestic deposits
- $2.22B
- Allowance for credit losses
- $52.7M
- Net charge-offs (YTD)
- $13.7M
- 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 |
|---|---|---|
| Sloane Barry | CEO | President, Chairman & CEO |
| Demaria Frank M | CFO | EVP, Chief Financial Officer |
| Schwartz Michael Adam | GC | Chief Legal Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Newtek Bank, N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Newtek Bank, N.A., 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.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring, not yet at the historical failure-risk threshold. BankRegReports early-warning band below the 100% heuristic.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Newtek Bank, N.A.: ROA, Texas Ratio, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.52% | 4.89% | 7.17% | 63.45% | 4.53% |
| Q1 2026 | 11.08% | 4.27% | 5.66% | 46.58% | 4.28% |
| Q4 2025 | 12.12% | 2.73% | 6.15% | 45.14% | 5.34% |
| Q3 2025 | 12.98% | 3.71% | 5.82% | 40.83% | 5.42% |
| Q2 2025 | 12.96% | 4.04% | 4.84% | 31.22% | 5.44% |
| Q1 2025 | 13.35% | 1.98% | 4.76% | 28.45% | 4.82% |
| Q4 2024 | 14.28% | 6.60% | 3.24% | 16.96% | 4.66% |
| Q3 2024 | 15.51% | 6.27% | 3.08% | 14.94% | 5.28% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Newtek Bank, N.A. (main office) | Miami , FL | 33131 | $2.22B |
Regulatory record
What the public regulatory sources show for Newtek Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Newtek Bank, N.A. headquartered?
Newtek Bank, N.A. is headquartered in Miami, FL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Newtek Bank, N.A. founded?
Newtek Bank, N.A. was established in 1963, per the FDIC institution directory.
Is Newtek Bank, N.A. FDIC-insured?
Yes. Newtek Bank, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Newtek Bank, N.A.'s CET1 capital ratio?
Newtek Bank, N.A. 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?
Newtek Bank, N.A. 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?
Newtek Bank, N.A.'s Texas Ratio is 63.45% in its Q2 2026 call report, elevated, credit issues exceed half of the bank's capital cushion (50–100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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