BlastPoint's Banking Scorecard
BankNewport
Designations: ✓ Community bank
Middletown, RI
20 branches across RI
BankNewport has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.14% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 94.4% in tier
- - Return on Assets 0.84% below tier average
- - Net Interest Margin 0.63% below tier average
- - Efficiency Ratio 14.03% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.1B
+7.6% YoY
+2.1% QoQ
|
+$253.2M |
$2.8B
-0.1% YoY
|
$48.0B
+3.2% YoY
|
$6.2B
+9.1% YoY
|
71% |
| Total Loans ? |
$2.5B
+8.1% YoY
+6.5% QoQ
|
+$503.9M |
$2.0B
+0.6% YoY
|
$30.8B
+3.6% YoY
|
$3.2B
+10.8% YoY
|
76% |
| Total Deposits ? |
$2.5B
+10.2% YoY
+4.7% QoQ
|
+$113.6M |
$2.3B
-0.3% YoY
|
$39.4B
+3.1% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
0.53%
+31.5% YoY
-9.6% QoQ
|
-0.84% |
1.37%
+19.6% YoY
|
0.68%
-17.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 9.7% in tier |
| Net Interest Margin ? |
3.19%
-1.6% YoY
-3.4% QoQ
|
-0.63% |
3.82%
+6.9% YoY
|
3.29%
+0.8% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
75.09%
-4.6% YoY
+5.7% QoQ
|
+14.03% |
61.06%
-4.6% YoY
|
70.02%
-1.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.7% in tier |
| Delinquency Rate ? |
0.75%
-12.5% YoY
+27.7% QoQ
|
-0.14% |
0.89%
+14.1% YoY
|
1.32%
+48.5% YoY
|
0.95%
+18.8% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
100.48%
-1.9% YoY
+1.7% QoQ
|
+16.28% |
84.20%
+0.3% YoY
|
96.02%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 12.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.81%
-10.5% YoY
-4.4% QoQ
|
-2.48% |
21.29%
-2.5% YoY
|
13.45%
-5.6% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.60%
-12.0% YoY
+33.3% QoQ
|
-0.07% |
0.67%
+15.6% YoY
|
1.03%
+53.4% YoY
|
0.67%
+19.3% YoY
|
36% |
| Tier 1 Capital Ratio ? |
12.76%
-2.5% YoY
-4.7% QoQ
|
-2.40% |
15.16%
+2.0% YoY
|
12.63%
-1.2% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.12%
+125.3% YoY
-74.7% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.18%
-25.2% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (0)
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.