BlastPoint's Banking Scorecard
Newport Federal Bank
Newport, TN
2 branches across TN
Newport Federal Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 2.5% in tier
- - Credit Risk Growth: Bottom 19.2% in tier
- - Credit Quality Pressure: Bottom 27.5% in tier
- - Net Interest Margin 1.21% below tier average
- - ROA 0.48% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$280.2M
+2.2% YoY
+2.0% QoQ
|
-$105.9M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
42% |
| Total Loans ? |
$128.2M
+4.9% YoY
+1.9% QoQ
|
-$127.5M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$253.7M
+1.2% YoY
+2.3% QoQ
|
-$74.2M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
45% |
| Return on Assets ? |
0.79%
+28.3% YoY
+8.9% QoQ
|
-0.48% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
2.72%
+13.9% YoY
+5.8% QoQ
|
-1.21% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.7% in tier |
| Efficiency Ratio ? |
65.24%
-8.3% YoY
-3.9% QoQ
|
-0.05% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
44% |
| Delinquency Rate ? |
0.27%
+139.4% YoY
-25.3% QoQ
|
-0.62% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
50.54%
+3.6% YoY
-0.5% QoQ
|
-26.10% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
Top 9.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.77%
-56.3% YoY
+7.2% QoQ
|
-14.25% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.8% in tier |
| Nonperforming Asset Ratio ? |
0.12%
+145.8% YoY
-25.4% QoQ
|
-0.52% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
67% |
| Tier 1 Capital Ratio ? |
22.25%
+2.4% YoY
+1.0% QoQ
|
+6.42% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Top 9.6% in tier |
| Non-Interest Income / Assets ? |
0.07%
-33.5% YoY
-82.6% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
29% |
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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 (0)
Concerns (3)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.