BlastPoint's Banking Scorecard

BankNewport

$1B-$10B Specialty: Commercial RI FDIC cert 18129

Designations: ✓ Community bank

Middletown, RI

20 branches across RI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 3 in RI.
Deposits +5.4% year over year ($2.4B on the books).
Delinquency rate 0.96%.
Return on assets 0.62%.
Efficiency ratio 69.65% vs a 59.73% peer average.
Loan-to-deposit ratio 100.92% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 3 in RI

View $1B-$10B leaderboard (RI) →

BankNewport faces 4 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 29.1% in tier
- ROA 0.77% below tier average
- Net Interest Margin 0.61% below tier average
- Efficiency Ratio 9.92% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Total Assets ?	$3.1B +3.5% YoY -0.0% QoQ	+$274.2M	$2.8B -0.6% YoY	$49.2B +6.4% YoY	$6.3B +7.7% YoY	71%
Total Loans ?	$2.5B +5.7% YoY -0.0% QoQ	+$504.3M	$2.0B -0.3% YoY	$31.5B +5.4% YoY	$3.2B +9.4% YoY	76%
Total Deposits ?	$2.4B +5.4% YoY -0.5% QoQ	+$126.2M	$2.3B -0.5% YoY	$39.9B +5.6% YoY	$4.9B +7.3% YoY	69%
Return on Assets ?	0.62% +14.0% YoY +16.8% QoQ	-0.77%	1.39% +17.0% YoY	0.89% +5.4% YoY	1.30% +12.1% YoY	Bottom 10.1% in tier
Net Interest Margin ?	3.26% +0.8% YoY +2.5% QoQ	-0.61%	3.87% +6.2% YoY	3.33% +0.4% YoY	3.95% +4.9% YoY	24%
Efficiency Ratio ?	69.65% -6.0% YoY -7.2% QoQ	+9.92%	59.73% -12.6% YoY	67.51% -2.4% YoY	70.05% +2.5% YoY	22%
Delinquency Rate ?	0.96% +17.5% YoY +28.6% QoQ	+0.09%	0.87% +11.7% YoY	1.21% +42.1% YoY	0.98% +16.3% YoY	28%
Loan-to-Deposit Ratio ?	100.92% +0.3% YoY +0.4% QoQ	+15.89%	85.04% -0.1% YoY	97.46% +0.7% YoY	79.03% +2.3% YoY	Bottom 12.4% in tier
Non-Interest-Bearing Deposit Share ?	20.16% -4.2% YoY +7.2% QoQ	-1.11%	21.27% -1.5% YoY	14.19% -0.4% YoY	21.98% -0.6% YoY	52%
Nonperforming Asset Ratio ?	0.77% +20.1% YoY +28.6% QoQ	+0.10%	0.67% +11.7% YoY	0.93% +44.3% YoY	0.69% +15.8% YoY	29%
Tier 1 Capital Ratio ?	12.70% -2.3% YoY -0.5% QoQ	-2.15%	14.84% -0.4% YoY	12.58% -0.8% YoY	17.09% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.21% +9.4% YoY +79.7% QoQ	-0.31%	0.53% +2.5% YoY	0.43% -12.1% YoY	0.66% +5.2% YoY	34%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Noninterest-Bearing	20.2% -0.9pp YoY +1.3pp QoQ	-1.2pp	21.4%	14.2%	22.2%	52%
Brokered Deposits	2.7% -2.0pp YoY -2.4pp QoQ	-6.8pp	9.5%	9.0%	8.5%	33%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
C&I	11.2% +0.6pp YoY +0.2pp QoQ	-2.8pp	14.0%	10.0%	12.5%	49%
CRE	51.4% +2.0pp YoY -0.1pp QoQ	+1.4pp	50.0%	42.3%	41.4%	55%
1-4 Family	36.7% -2.4pp YoY +0.1pp QoQ	+10.3pp	26.4%	39.9%	31.3%	78%
Consumer	0.9% -0.3pp YoY -0.1pp QoQ	-3.8pp	4.7%	6.5%	5.0%	44%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
CET1 Ratio	12.7% -0.3pp YoY -0.1pp QoQ	-2.9pp	15.6%	12.4%	19.7%	36%
Leverage Ratio	10.6% -0.1pp YoY -0.2pp QoQ	-0.7pp	11.3%	10.6%	12.6%	51%
Total Capital Ratio	13.6% -0.2pp YoY 0.0pp QoQ	-3.1pp	16.7%	13.6%	20.8%	32%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Full-Time Employees	300 -20 (-6.2%) YoY -17 (-5.4%) QoQ	-14	313	3,737	482	65%
Assets per Employee ($)	$10.2M +10.4% YoY +5.6% QoQ	-$257K	$10.5M	$9.9M	$8.8M	67%
Branch Count	20 0 YoY 0 QoQ	-0	20	210	18	65%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	1.0% +0.1pp YoY +0.2pp QoQ	+0.1pp	0.8%	1.1%	1.0%	73%
Allowance Coverage	1.00x -7.7% YoY -12.9% QoQ	-17.71x	18.71x	1.06x	20.23x	24%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.3%	0.2%	41%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
ROE	6.2% +0.6pp YoY +0.9pp QoQ	-6.4pp	12.6%	8.1%	11.6%	12%
Cost of Funds (YTD)	2.1% -0.1pp YoY 0.0pp QoQ	+0.2pp	1.9%	2.3%	1.7%	65%
Net Income ($, YTD)	$9.4M +21.0% YoY — QoQ	-$9.8M	$19.2M	$238.8M	$40.4M	37%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#118 of 402 • Bottom 29.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

211

Total Loans

size

Value: $2.47B

Peer Median: $1.96B

#211 of 885 Top 23.7% in $1B-$10B

Top Weaknesses (4 metrics)

797

Return on Assets

profitability

Value: 0.62%

Peer Median: 1.39%

#797 of 885 Bottom 10.1% in $1B-$10B

776

Loan-to-Deposit Ratio

liquidity

Value: 100.92%

Peer Median: 85.04%

#776 of 885 Bottom 12.4% in $1B-$10B

692

Efficiency Ratio

profitability

Value: 69.65%

Peer Median: 59.73%

#692 of 885 Bottom 21.9% in $1B-$10B

672

Net Interest Margin

profitability

Value: 3.26%

Peer Median: 3.87%

#672 of 885 Bottom 24.2% in $1B-$10B