BlastPoint's Banking Scorecard

Newtown Savings Bank

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

Designations: ✓ Community bank

Newtown, CT

19 branches across CT

884 banks in the $1B-$10B peer group nationally 14 in CT

Newtown Savings Bank has 1 strength but faces 5 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 0.41% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 8.7% in tier
- Credit Risk Growth: Bottom 9.0% in tier
- ROA 0.64% below tier average
- Net Interest Margin 0.55% below tier average
- Efficiency Ratio 12.54% above tier average

Get updates when Newtown Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$1.9B +5.0% YoY +2.9% QoQ	-$890.7M	$2.8B -0.1% YoY	$4.6B +6.9% YoY	$6.2B +9.1% YoY	48%
Total Loans ?	$1.5B +2.7% YoY +0.5% QoQ	-$492.2M	$2.0B +0.6% YoY	$3.2B +8.3% YoY	$3.2B +10.8% YoY	53%
Total Deposits ?	$1.6B +6.0% YoY +3.1% QoQ	-$711.2M	$2.3B -0.3% YoY	$3.7B +5.9% YoY	$4.8B +8.2% YoY	49%
Return on Assets ?	0.73% -6.9% YoY -14.5% QoQ	-0.64%	1.37% +19.6% YoY	0.98% +59.4% YoY	1.23% +13.4% YoY	18%
Net Interest Margin ?	3.26% +2.8% YoY -0.8% QoQ	-0.55%	3.82% +6.9% YoY	3.30% +11.1% YoY	3.89% +5.7% YoY	27%
Efficiency Ratio ?	73.60% +1.3% YoY +7.0% QoQ	+12.54%	61.06% -4.6% YoY	74.04% -0.3% YoY	66.95% -4.1% YoY	17%
Delinquency Rate ?	0.48% +27.8% YoY -8.5% QoQ	-0.41%	0.89% +14.1% YoY	0.76% +15.1% YoY	0.95% +18.8% YoY	55%
Loan-to-Deposit Ratio ?	90.23% -3.1% YoY -2.6% QoQ	+6.03%	84.20% +0.3% YoY	87.65% +0.6% YoY	76.70% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	19.62% +2.7% YoY +3.4% QoQ	-1.67%	21.29% -2.5% YoY	20.48% -2.9% YoY	22.01% -1.2% YoY	50%
Nonperforming Asset Ratio ?	0.37% +25.0% YoY -10.6% QoQ	-0.31%	0.67% +15.6% YoY	0.54% +14.2% YoY	0.67% +19.3% YoY	56%
Tier 1 Capital Ratio ?	15.00% +8.5% YoY +4.9% QoQ	-0.16%	15.16% +2.0% YoY	15.66% +1.9% YoY	17.06% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.15% -6.2% YoY -78.4% QoQ	-0.11%	0.26% +1.6% YoY	0.74% +3.6% YoY	0.32% +4.1% YoY	51%

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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 (2)

Liquidity Strain

risk

#30 of 334 • Bottom 8.7% 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: 90.23%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#39 of 420 • Bottom 9.0% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

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 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

736

Efficiency Ratio

profitability

Value: 73.60%

Peer Median: 61.06%

#736 of 884 Bottom 16.9% in $1B-$10B

729

Return on Assets

profitability

Value: 0.73%

Peer Median: 1.37%

#729 of 884 Bottom 17.6% in $1B-$10B