BlastPoint's Banking Scorecard

Newtek Bank, National Association

$1B-$10B Specialty: Commercial FL FDIC cert 18734

Miami, FL

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 24 in FL.
Deposits +91.9% year over year ($2.2B on the books).
Delinquency rate 7.38%.
Return on assets 4.40%.
Efficiency ratio 38.68% vs a 59.73% peer average.
Loan-to-deposit ratio 90.04% 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 24 in FL

View $1B-$10B leaderboard (FL) →

Newtek Bank, National Association has 4 strengths but faces 3 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

+ Revenue Diversifier: Top 0.5% in tier
+ Profitability Leader: Top 0.9% in tier
+ Efficiency Ratio 21.05% below tier average
+ Net Interest Margin 0.64% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 6.51% above tier average
- Non-Interest-Bearing Deposit Share 18.74% below tier average
- Nonperforming Asset Ratio 5.42% above tier average

Get updates when Newtek Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$2.5B +83.7% YoY +14.4% QoQ	-$319.9M	$2.8B -0.6% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	61%
Total Loans ?	$2.0B +87.2% YoY +21.7% QoQ	+$34.8M	$2.0B -0.3% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$2.2B +91.9% YoY +14.6% QoQ	-$99.7M	$2.3B -0.5% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	65%
Return on Assets ?	4.40% +52.8% YoY +6.0% QoQ	+3.01%	1.39% +17.0% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	Top 1.2% in tier
Net Interest Margin ?	4.51% -12.8% YoY +2.3% QoQ	+0.64%	3.87% +6.2% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	Top 12.2% in tier
Efficiency Ratio ?	38.68% -20.0% YoY -3.2% QoQ	-21.05%	59.73% -12.6% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	Top 6.2% in tier
Delinquency Rate ?	7.38% +46.5% YoY +27.6% QoQ	+6.51%	0.87% +11.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	Bottom 0.3% in tier
Loan-to-Deposit Ratio ?	90.04% -2.4% YoY +6.2% QoQ	+5.00%	85.04% -0.1% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	41%
Non-Interest-Bearing Deposit Share ?	2.54% -28.5% YoY -31.5% QoQ	-18.74%	21.27% -1.5% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	Bottom 2.4% in tier
Nonperforming Asset Ratio ?	6.10% +50.8% YoY +33.7% QoQ	+5.42%	0.67% +11.7% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	Bottom 0.1% in tier
Tier 1 Capital Ratio ?	11.46% -11.5% YoY +3.5% QoQ	-3.38%	14.84% -0.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	25%
Non-Interest Income / Assets ?	3.72% -16.3% YoY +91.9% QoQ	+3.19%	0.53% +2.5% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	Top 1.2% in tier

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 (FL)	National Avg	Tier Percentile
Noninterest-Bearing	2.5% -1.0pp YoY -1.2pp QoQ	-18.8pp	21.4%	27.7%	22.2%	2%
Brokered Deposits	3.0% -0.7pp YoY -0.6pp QoQ	-6.5pp	9.5%	8.7%	8.5%	35%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	39.5% +3.0pp YoY -1.2pp QoQ	+25.5pp	14.0%	12.9%	12.5%	95%
CRE	52.0% +0.9pp YoY +1.1pp QoQ	+2.0pp	50.0%	50.6%	41.4%	57%
1-4 Family	11.1% -5.3pp YoY -0.1pp QoQ	-15.3pp	26.4%	30.7%	31.3%	20%
Consumer	n/a	n/a	4.7%	3.7%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	11.5% -1.5pp YoY +0.4pp QoQ	-4.1pp	15.6%	19.8%	19.7%	16%
Leverage Ratio	8.6% -2.8pp YoY -0.5pp QoQ	-2.7pp	11.3%	13.9%	12.6%	6%
Total Capital Ratio	12.7% -1.5pp YoY +0.4pp QoQ	-4.0pp	16.7%	21.1%	20.8%	17%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	431 +49 (+12.8%) YoY +13 (+3.1%) QoQ	+117	313	295	482	80%
Assets per Employee ($)	$5.7M +62.8% YoY +10.9% QoQ	-$4.7M	$10.5M	$10.3M	$8.8M	9%
Branch Count	1 0 YoY 0 QoQ	-19	20	13	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	0.2%	0.0pp	0.2%	0.3%	0.4%	87%
Nonaccrual	7.2% +2.2pp YoY +1.4pp QoQ	+6.4pp	0.8%	0.7%	1.0%	100%
Allowance Coverage	0.36x -54.9% YoY -27.3% QoQ	-18.35x	18.71x	16.62x	20.23x	3%
Net Charge-off Rate (YTD)	1.6% -0.6pp YoY -0.4pp QoQ	+1.3pp	0.3%	0.2%	0.2%	97%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	50.5% +24.1pp YoY +4.3pp QoQ	+37.9pp	12.6%	9.3%	11.6%	99%
Cost of Funds (YTD)	3.4% +0.1pp YoY 0.0pp QoQ	+1.5pp	1.9%	1.8%	1.7%	99%
Net Income ($, YTD)	$46.7M +155.4% YoY — QoQ	+$27.5M	$19.2M	$25.2M	$40.4M	92%

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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 (2)

Revenue Diversifier

growth

#2 of 222 • Top 0.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 3.72%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 4.40%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Profitability Leader

growth

#3 of 222 • Top 0.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 4.40%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Concerns (0)

No matched concern signatures this quarter

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 (4 metrics)

Return on Assets

profitability

Value: 4.40%

Peer Median: 1.39%

#12 of 885 Top 1.2% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 3.72%

Peer Median: 0.53%

#12 of 885 Top 1.2% in $1B-$10B

Efficiency Ratio

profitability

Value: 38.68%

Peer Median: 59.73%

#56 of 885 Top 6.2% in $1B-$10B

109

Net Interest Margin

profitability

Value: 4.51%

Peer Median: 3.87%

#109 of 885 Top 12.2% in $1B-$10B

Top Weaknesses (3 metrics)

885

Nonperforming Asset Ratio

credit_quality

Value: 6.10%

Peer Median: 0.67%

#885 of 885 Bottom 0.1% in $1B-$10B

880

Delinquency Rate

credit_quality

Value: 7.38%

Peer Median: 0.87%

#880 of 882 Bottom 0.3% in $1B-$10B

865

Non-Interest-Bearing Deposit Share

funding

Value: 2.54%

Peer Median: 21.27%

#865 of 885 Bottom 2.4% in $1B-$10B