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Bank of Newington

$100M-$1B Specialty: Commercial GA FDIC cert 5704

Newington, GA

4 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA
View $100M-$1B leaderboard (GA) →

Bank of Newington has 3 strengths but faces 2 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

  • + Net Interest Margin 0.99% above tier average
  • + ROA 0.26% above tier average
  • + Efficiency Ratio 7.20% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 68.2% in tier
  • - Delinquency Rate 0.08% above tier average
Get updates when Bank of Newington releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $331.2M
+15.3% YoY +5.8% QoQ
-$54.9M $386.1M
+0.5% YoY
$814.8M
+10.0% YoY
$6.2B
+9.1% YoY
51%
Total Loans ? $249.9M
+12.0% YoY +2.4% QoQ
-$5.9M $255.7M
+1.1% YoY
$550.6M
+10.4% YoY
$3.2B
+10.8% YoY
59%
Total Deposits ? $299.7M
+20.0% YoY +6.0% QoQ
-$28.2M $328.0M
+0.1% YoY
$689.3M
+8.9% YoY
$4.8B
+8.2% YoY
55%
Return on Assets ? 1.52%
-0.8% YoY +21.5% QoQ
+0.26% 1.27%
+12.9% YoY
1.50%
+0.6% YoY
1.23%
+13.4% YoY
69%
Net Interest Margin ? 4.92%
-2.2% YoY -4.0% QoQ
+0.99% 3.93%
+6.0% YoY
4.36%
+2.3% YoY
3.89%
+5.7% YoY
Top 8.5% in tier
Efficiency Ratio ? 58.09%
+2.0% YoY -3.9% QoQ
-7.20% 65.29%
-4.5% YoY
62.13%
-1.5% YoY
66.95%
-4.1% YoY
66%
Delinquency Rate ? 0.97%
+302.5% YoY +119.6% QoQ
+0.08% 0.89%
+18.8% YoY
0.81%
+32.9% YoY
0.95%
+18.8% YoY
29%
Loan-to-Deposit Ratio ? 83.36%
-6.7% YoY -3.4% QoQ
+6.73% 76.64%
+0.8% YoY
71.10%
+2.8% YoY
76.70%
+0.9% YoY
39%
Non-Interest-Bearing Deposit Share ? 15.88%
-14.6% YoY +2.9% QoQ
-6.14% 22.02%
-1.0% YoY
26.76%
-3.7% YoY
22.01%
-1.2% YoY
27%
Nonperforming Asset Ratio ? 0.90%
+132.8% YoY +71.3% QoQ
+0.26% 0.64%
+19.7% YoY
0.56%
+24.4% YoY
0.67%
+19.3% YoY
22%
Tier 1 Capital Ratio ? 11.24%
-3.5% YoY -4.3% QoQ
-4.59% 15.83%
+1.5% YoY
17.30%
-0.8% YoY
17.06%
+0.8% YoY
26%
Non-Interest Income / Assets ? 0.07%
-2.0% YoY -76.0% QoQ
-0.21% 0.28%
+9.3% YoY
0.21%
+3.2% YoY
0.32%
+4.1% YoY
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 (1)

NIB Deposit Bleed

decline
#136 of 198 • Bottom 68.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 15.88%
(Tier: 22.02%, National: 22.01%)
worse than tier avg
198 of 198 Community banks match · 238 nationally
↓ Shrinking -31 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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

228
Net Interest Margin
profitability
Value: 4.92%
Peer Median: 3.93%
#228 of 2664 Top 8.5% in $100M-$1B

Top Weaknesses (1 metrics)

2072
Nonperforming Asset Ratio
credit_quality
Value: 0.90%
Peer Median: 0.64%
#2072 of 2664 Bottom 22.3% in $100M-$1B
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