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Newtown Savings Bank

$1B-$10B Specialty: Mortgage CT FDIC cert 18199

Designations: ✓ Community bank

Newtown, CT

19 branches across CT

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 15 in CT.
  • Deposits +5.5% year over year ($1.6B on the books).
  • Delinquency rate 0.37%.
  • Return on assets 0.75%.
  • Efficiency ratio 72.16% vs a 59.73% peer average.
  • Loan-to-deposit ratio 96.11% 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 15 in CT
View $1B-$10B leaderboard (CT) →

Newtown Savings Bank has 1 strength but faces 4 concerns

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

  • + Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 18.8% in tier
  • - ROA 0.64% below tier average
  • - Net Interest Margin 0.53% below tier average
  • - Efficiency Ratio 12.43% above tier average
Get updates when Newtown Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Total Assets ? $1.9B
+2.2% YoY -2.8% QoQ
-$921.3M $2.8B
-0.6% YoY
$4.8B
+5.5% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $1.5B
+1.5% YoY +2.4% QoQ
-$454.5M $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
53%
Total Deposits ? $1.6B
+5.5% YoY -3.8% QoQ
-$749.1M $2.3B
-0.5% YoY
$3.9B
+6.2% YoY
$4.9B
+7.3% YoY
48%
Return on Assets ? 0.75%
+3.3% YoY +3.0% QoQ
-0.64% 1.39%
+17.0% YoY
1.11%
+57.7% YoY
1.30%
+12.1% YoY
16%
Net Interest Margin ? 3.34%
+3.1% YoY +2.2% QoQ
-0.53% 3.87%
+6.2% YoY
3.44%
+11.6% YoY
3.95%
+4.9% YoY
28%
Efficiency Ratio ? 72.16%
-0.4% YoY -2.0% QoQ
+12.43% 59.73%
-12.6% YoY
72.27%
-70.9% YoY
70.05%
+2.5% YoY
17%
Delinquency Rate ? 0.37%
-15.2% YoY -22.4% QoQ
-0.49% 0.87%
+11.7% YoY
0.70%
-4.9% YoY
0.98%
+16.3% YoY
63%
Loan-to-Deposit Ratio ? 96.11%
-3.8% YoY +6.5% QoQ
+11.08% 85.04%
-0.1% YoY
91.71%
+1.4% YoY
79.03%
+2.3% YoY
22%
Non-Interest-Bearing Deposit Share ? 19.99%
-2.4% YoY +1.9% QoQ
-1.28% 21.27%
-1.5% YoY
22.06%
+1.6% YoY
21.98%
-0.6% YoY
52%
Nonperforming Asset Ratio ? 0.30%
-15.7% YoY -18.2% QoQ
-0.37% 0.67%
+11.7% YoY
0.53%
-3.6% YoY
0.69%
+15.8% YoY
62%
Tier 1 Capital Ratio ? 14.64%
+7.1% YoY -2.4% QoQ
-0.21% 14.84%
-0.4% YoY
14.05%
-0.0% YoY
17.09%
+0.8% YoY
71%
Non-Interest Income / Assets ? 0.31%
+4.1% YoY +113.9% QoQ
-0.22% 0.53%
+2.5% YoY
0.35%
+5.1% YoY
0.66%
+5.2% YoY
55%

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 (CT) National Avg Tier Percentile
Noninterest-Bearing 20.0%
-0.5pp YoY
+0.4pp QoQ
 -1.4pp 21.4% 22.1% 22.2% 51%
Brokered Deposits 0.7%
-0.4pp YoY
-4.4pp QoQ
 -8.8pp 9.5% 8.1% 8.5% 15%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
C&I 5.6%
-0.9pp YoY
+0.2pp QoQ
 -8.4pp 14.0% 11.4% 12.5% 21%
CRE 22.8%
+2.4pp YoY
+0.4pp QoQ
 -27.2pp 50.0% 42.4% 41.4% 6%
1-4 Family 71.7%
-1.7pp YoY
-0.6pp QoQ
 +45.3pp 26.4% 42.2% 31.3% 97%
Consumer 0.4%
-0.1pp YoY
0.0pp QoQ
 -4.3pp 4.7% 4.1% 5.0% 26%

Capital

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
CET1 Ratio 14.6%
+1.0pp YoY
-0.4pp QoQ
 -1.0pp 15.6% 15.0% 19.7% 66%
Leverage Ratio 9.5%
+0.6pp YoY
+0.4pp QoQ
 -1.8pp 11.3% 12.7% 12.6% 22%
Total Capital Ratio 15.9%
+1.0pp YoY
-0.4pp QoQ
 -0.8pp 16.7% 16.0% 20.8% 68%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Full-Time Employees 239
0 YoY
-1 (-0.4%) QoQ
 -75 313 342 482 51%
Assets per Employee ($) $7.8M
+2.2% YoY
-2.4% QoQ
 -$2.6M $10.5M $9.9M $8.8M 37%
Branch Count 19
0 YoY
0 QoQ
 -1 20 19 18 63%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.4%
-0.1pp YoY
-0.1pp QoQ
 -0.5pp 0.8% 0.7% 1.0% 37%
Allowance Coverage 3.43x
+29.3% YoY
+31.9% QoQ
 -15.28x 18.71x 4.87x 20.23x 68%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 32%

Profitability

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
ROE 8.6%
-0.4pp YoY
+0.1pp QoQ
 -4.0pp 12.6% 8.2% 11.6% 24%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.9% 1.7% 1.7% 35%
Net Income ($, YTD) $7.1M
+7.0% YoY
— QoQ
 -$12.2M $19.2M $28.0M $40.4M 24%

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)

Liquidity Strain

risk
#69 of 361 • Bottom 18.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 96.11%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

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

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

744
Return on Assets
profitability
Value: 0.75%
Peer Median: 1.39%
#744 of 885 Bottom 16.0% in $1B-$10B
733
Efficiency Ratio
profitability
Value: 72.16%
Peer Median: 59.73%
#733 of 885 Bottom 17.3% in $1B-$10B
687
Loan-to-Deposit Ratio
liquidity
Value: 96.11%
Peer Median: 85.04%
#687 of 885 Bottom 22.5% in $1B-$10B
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