BankNewport
BankNewport reported total assets of $3.1 bn at Q2 2026, up 3.5% on a year earlier, the 413th largest of 497 banks in our US coverage. The CET1 capital ratio at BankNewport was 12.70%, and the uninsured share of BankNewport was 30.10%. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, BankNewport climbed from 381st to 314th among 500 US banks between and (1 = highest; FDIC Call Reports).
- BankNewport reports one of the lowest return on assets (ROA) readings among banks of $1 bn to $10 bn: 0.62% at , where the median of the 339 banks is 1.32% (FDIC Call Reports).
What sets BankNewport apart
How large is BankNewport?
The balance sheet of BankNewport at : assets $3.1 bn, deposits $2.4 bn, net loans $2.5 bn (loans equal to 100.92% of deposits). Securities make up 14.7% of total assets at BankNewport. Since , when BankNewport held $1.4 bn, its assets grew 118.1%. In the year to , deposits at BankNewport rose 5.4% while its total assets rose 3.5%. At , BankNewport employed 300 full-time equivalent staff across 20 offices, about $10.2 mn of assets per employee and $122.3 mn of deposits per office.
How much funding at BankNewport is uninsured?
At BankNewport, uninsured deposits (above the FDIC limit) made up 30.10% of domestic deposits at (+4.50 pp on a year earlier); BankNewport ranks 314th of 500 on this measure. In dollars, BankNewport estimated $736.0 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.4 bn | +5.4% | 433rd of 499 |
| Net loans and leases | $2.5 bn | +5.7% | 367th of 500 |
| Loan-to-deposit ratio | 100.92% | +0.31 pp | 50th of 500 |
| Tier 1 leverage ratio | 10.58% | -0.07 pp | 219th of 500 |
| Total risk-based capital ratio | 13.62% | -0.23 pp | 295th of 448 |
| Net interest margin | 3.26% | +0.03 pp | 356th of 500 |
| Return on assets (ROA) | 0.62% | +0.08 pp | 461st of 500 |
| Efficiency ratio | 69.65% | -4.43 pp | 429th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $27.5 mn | Narrowed by $4.0 mn | |
| Noncurrent loans to total loans | 0.95% | +0.14 pp | 355th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.02% | -0.01 pp | 143rd of 500 (1 = lowest) |
US rank of BankNewport: 1 = highest unless marked 1 = lowest.
Balance sheet
BankNewport: assets, deposits and loans
- Total assets $3.1bn
- Deposits $2.4bn
- Net loans $2.5bn
Capital and securities
The CET1 ratio of BankNewport stood at 12.70% in , -0.29 pp year on year. Low and high at BankNewport since : 12.06% () to 13.39% (). Equity capital of BankNewport at : $304.6 mn, or 9.9% of total assets. BankNewport also reported a total capital ratio of 13.62% for , and a tier 1 leverage ratio of 10.58%.
The available-for-sale portfolio of BankNewport showed an unrealized loss of $27.5 mn at ; the loss narrowed by $4.0 mn over the year.
BankNewport: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 11%
BankNewport: unrealized securities gains and losses
- Available for sale -$27mn
- Held to maturity $0
Profitability and loan quality
For the year to , BankNewport earned a return on equity of 6.18%; return on assets: 0.62%. Net interest margin at BankNewport: 3.26%, +0.03 pp in a year. BankNewport net income: $9.4 mn, up 21.0% year on year. The efficiency ratio of BankNewport was 69.65%: about 70 cents cost per revenue dollar, against 65 cents at the median peer.
At , noncurrent loans were 0.95% of total loans at BankNewport; net charge-offs: 0.02% of average loans. Gross loans and leases at BankNewport: $2.5 bn, up 5.8% in a year.
BankNewport: profitability
- Return on equity 6.2%
- Net interest margin 3.3%
- Return on assets 0.6%
Peer group of BankNewport
The peer group of BankNewport is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of BankNewport (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Rhode Island. Against them, BankNewport shows CET1 ratio 12.70% against a peer median of 12.43%, return on equity 6.18% against a peer median of 10.38% and uninsured deposit share 30.10% against a peer median of 26.02%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| CB&S Bank, Inc. | State nonmember bank | AL | $3.1 bn | not reported | 12.21% | 31.10% | |
| Midwest BankCentre | State member bank | MO | $3.1 bn | 13.54% | 10.84% | 26.11% | |
| Guaranty Bank and Trust Company | State nonmember bank | MS | $3.1 bn | not reported | 9.91% | 24.45% | |
| BankNewport | State member bank | RI | $3.1 bn | 12.70% | 6.18% | 30.10% | |
| Lawrence Bank | State nonmember bank | TN | $3.0 bn | 12.86% | 9.01% | 25.92% | |
| The National Bank of Indianapolis | National bank | IN | $3.0 bn | 11.42% | 18.16% | 60.27% | |
| Mascoma Bank | State member bank | NH | $3.0 bn | 12.01% | 5.86% | 13.60% | |
. FDIC Call Reports.
Last eight quarters
Two years at BankNewport, to : assets +11.5%, deposits +10.1%, equity +10.8%. Staff 317 to 300.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.8 bn | $2.8 bn | $2.9 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.1 bn | $3.1 bn |
| Total deposits | $2.2 bn | $2.3 bn | $2.2 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.5 bn | $2.4 bn |
| Bank equity capital | $274.9 mn | $272.0 mn | $280.1 mn | $287.9 mn | $295.2 mn | $302.2 mn | $307.5 mn | $304.6 mn |
| CET1 ratio | 13.17% | 12.95% | 13.09% | 12.99% | 13.20% | 13.39% | 12.76% | 12.70% |
| Return on equity (ROE) | 3.56% | 3.84% | 4.11% | 5.55% | 5.91% | 5.94% | 5.27% | 6.18% |
| Uninsured share of domestic deposits | 26.35% | 25.74% | 23.92% | 25.60% | 24.44% | 24.10% | 28.55% | 30.10% |
| Full-time equivalent employees | 317 | 322 | 325 | 320 | 325 | 322 | 317 | 300 |
| Number of offices | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by BankNewport appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of BankNewport?
BankNewport reported $3.1 bn at in its Call Report. That makes BankNewport the 413th largest of 497 banks in our US coverage.
Is BankNewport the same as its holding company?
No. This page covers BankNewport, FDIC certificate 18129; OCEANPOINT FINL PARTNERS MHC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is BankNewport profitable?
BankNewport reported net income of $9.4 mn for the year to ; annualized return on equity: 6.18%. So yes: BankNewport made a profit over these months.
When is data for BankNewport next updated?
Figures from BankNewport for are due after .
Where can I check the figures for BankNewport?
In the FDIC BankFind Suite record for certificate 18129, and in the Call Reports of BankNewport (RSSD ID 546003) at the FFIEC Central Data Repository.