BlastPoint's Banking Scorecard
Newtek Bank, National Association
Designations: ✓ Community bank
Miami, FL
Newtek Bank, National Association has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 0.5% in tier
- + Revenue Diversifier: Top 0.5% in tier
- + Efficiency Ratio 21.10% below tier average
- + Net Interest Margin 0.59% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.89% above tier average
- - Non-Interest-Bearing Deposit Share 17.59% below tier average
- - Nonperforming Asset Ratio 3.89% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+73.2% YoY
+25.0% QoQ
|
-$653.6M |
$2.8B
-0.1% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
55% |
| Total Loans ? |
$1.6B
+83.0% YoY
+19.9% QoQ
|
-$322.6M |
$2.0B
+0.6% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$1.9B
+81.4% YoY
+28.0% QoQ
|
-$407.1M |
$2.3B
-0.3% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
58% |
| Return on Assets ? |
4.15%
+112.2% YoY
+41.6% QoQ
|
+2.79% |
1.37%
+19.6% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
Top 1.4% in tier |
| Net Interest Margin ? |
4.41%
-12.1% YoY
-15.4% QoQ
|
+0.59% |
3.82%
+6.9% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
Top 14.7% in tier |
| Efficiency Ratio ? |
39.97%
-16.9% YoY
-16.7% QoQ
|
-21.10% |
61.06%
-4.6% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
Top 7.2% in tier |
| Delinquency Rate ? |
5.78%
+16.5% YoY
-8.4% QoQ
|
+4.89% |
0.89%
+14.1% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.7% in tier |
| Loan-to-Deposit Ratio ? |
84.82%
+0.9% YoY
-6.3% QoQ
|
+0.61% |
84.20%
+0.3% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
3.70%
+231.3% YoY
+3.9% QoQ
|
-17.59% |
21.29%
-2.5% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.1% in tier |
| Nonperforming Asset Ratio ? |
4.56%
+23.6% YoY
-10.0% QoQ
|
+3.89% |
0.67%
+15.6% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.3% in tier |
| Tier 1 Capital Ratio ? |
11.08%
-17.0% YoY
-8.6% QoQ
|
-4.08% |
15.16%
+2.0% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
1.94%
-11.9% YoY
-70.7% QoQ
|
+1.68% |
0.26%
+1.6% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
Top 1.2% in tier |
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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 (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.