BlastPoint

BlastPoint's Banking Scorecard

Newport Federal Bank

$100M-$1B Specialty: Other TN FDIC cert 29089

Newport, TN

2 branches across TN

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
  • Deposits -0.2% year over year ($250.5M on the books).
  • Delinquency rate 0.70%.
  • Return on assets 0.83%.
  • Efficiency ratio 64.27% vs a 64.48% peer average.
  • Loan-to-deposit ratio 52.07% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

Newport Federal Bank has 2 strengths but faces 6 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

  • + Efficiency Ratio 0.21% below tier average
  • + Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 24.0% in tier
  • - Flatlined Growth: Bottom 33.1% in tier
  • - Credit Quality Pressure: Bottom 38.6% in tier
  • - Net Interest Margin 1.19% below tier average
  • - Non-Interest-Bearing Deposit Share 13.49% below tier average
  • - ROA 0.49% below tier average
Get updates when Newport Federal Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $276.8M
+0.8% YoY -1.2% QoQ
-$109.7M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
42%
Total Loans ? $130.4M
+5.5% YoY +1.7% QoQ
-$127.9M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
29%
Total Deposits ? $250.5M
-0.2% YoY -1.3% QoQ
-$76.2M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? 0.83%
+16.1% YoY +5.2% QoQ
-0.49% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
25%
Net Interest Margin ? 2.80%
+13.2% YoY +2.8% QoQ
-1.19% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
Bottom 6.1% in tier
Efficiency Ratio ? 64.27%
-5.6% YoY -1.5% QoQ
-0.21% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
44%
Delinquency Rate ? 0.70%
+27.5% YoY +160.9% QoQ
-0.22% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
38%
Loan-to-Deposit Ratio ? 52.07%
+5.7% YoY +3.0% QoQ
-25.88% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
Top 9.9% in tier
Non-Interest-Bearing Deposit Share ? 8.54%
+11.0% YoY +10.0% QoQ
-13.49% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
Bottom 7.9% in tier
Nonperforming Asset Ratio ? 0.35%
+39.8% YoY +181.6% QoQ
-0.32% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 21.67%
+1.2% YoY -2.6% QoQ
+5.77% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
Top 11.0% in tier
Non-Interest Income / Assets ? 0.14%
-41.6% YoY +111.8% QoQ
-0.43% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
31%

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 (TN) National Avg Tier Percentile
Noninterest-Bearing 8.5%
+0.8pp YoY
+0.8pp QoQ
 -13.6pp 22.1% 18.8% 22.2% 7%
Brokered Deposits n/a n/a 7.9% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 0.7%
-0.4pp YoY
-0.1pp QoQ
 -10.8pp 11.6% 10.9% 12.5% 3%
CRE 21.3%
-0.9pp YoY
+1.9pp QoQ
 -18.3pp 39.5% 42.4% 41.4% 20%
1-4 Family 76.4%
+1.5pp YoY
-2.0pp QoQ
 +43.8pp 32.6% 39.8% 31.3% 96%
Consumer 2.4%
-0.4pp YoY
-0.2pp QoQ
 -1.7pp 4.1% 4.5% 5.0% 53%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 21.7%
+0.2pp YoY
-0.6pp QoQ
 +2.8pp 18.8% 14.8% 19.7% 82%
Leverage Ratio 10.4%
+0.3pp YoY
-0.2pp QoQ
 -1.8pp 12.2% 11.4% 12.6% 39%
Total Capital Ratio 22.9%
+0.3pp YoY
-0.6pp QoQ
 +3.0pp 19.9% 15.9% 20.8% 82%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 35
-1 (-2.8%) YoY
+1 (+2.9%) QoQ
 -24 58 270 482 35%
Assets per Employee ($) $7.9M
+3.7% YoY
-4.0% QoQ
 +$391K $7.5M $7.1M $8.8M 67%
Branch Count 2
0 YoY
0 QoQ
 -3 4 17 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.7%
+0.2pp YoY
+0.4pp QoQ
 -0.2pp 0.9% 0.7% 1.0% 62%
Allowance Coverage 1.78x
-25.8% YoY
-62.3% QoQ
 -22.37x 24.15x 28.97x 20.23x 44%
Net Charge-off Rate (YTD) -0.0% -0.1pp 0.1% 0.1% 0.2% 25%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 9.9%
+0.1pp YoY
+0.5pp QoQ
 -2.3pp 12.2% 10.9% 11.6% 36%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 2.0% 1.7% 45%
Net Income ($, YTD) $1.2M
+17.8% YoY
— QoQ
 -$1.4M $2.6M $16.7M $40.4M 32%

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 (3)

Credit Risk Growth

risk
#226 of 936 • Bottom 24.0% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Flatlined Growth

risk
#176 of 529 • Bottom 33.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.83%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Quality Pressure

risk
#486 of 1256 • Bottom 38.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.70%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

263
Loan-to-Deposit Ratio
liquidity
Value: 52.07%
Peer Median: 77.95%
#263 of 2643 Top 9.9% in $100M-$1B
292
Tier 1 Capital Ratio
capital
Value: 21.67%
Peer Median: 15.91%
#292 of 2643 Top 11.0% in $100M-$1B

Top Weaknesses (2 metrics)

2484
Net Interest Margin
profitability
Value: 2.80%
Peer Median: 3.99%
#2484 of 2643 Bottom 6.1% in $100M-$1B
2436
Non-Interest-Bearing Deposit Share
funding
Value: 8.54%
Peer Median: 22.03%
#2436 of 2643 Bottom 7.9% in $100M-$1B
Powered by BlastPoint © 2026