BlastPoint's Banking Scorecard

BankNewport

Community Specialty: Commercial RI FDIC cert 18129

Middletown, RI

1484 banks in Community tier nationally 2 in RI

View Community leaderboard (RI) →

BankNewport faces 1 concern requiring attention

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 27% in Community

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Total Assets ?	$3.0B +7.6% YoY +1.0% QoQ	+$1.6B	$1.4B +2.0% YoY	$39.8B +3.8% YoY	$5.9B +6.5% YoY	Top 9% in tier
Total Loans ?	$2.3B +1.6% YoY -0.8% QoQ	+$1.3B	$975.5M +2.4% YoY	$25.4B +2.6% YoY	$3.1B +8.5% YoY	Top 7% in tier
Total Deposits ?	$2.3B +3.3% YoY +1.0% QoQ	+$1.2B	$1.2B +1.7% YoY	$32.8B +4.6% YoY	$4.7B +6.3% YoY	Top 11% in tier
Return on Assets ?	0.58% +57.4% YoY +0.9% QoQ	-0.58%	1.16% +17.2% YoY	-0.23% -142.5% YoY	1.12% +15.6% YoY	Bottom 14% in tier
Net Interest Margin ?	3.30% +4.4% YoY +0.6% QoQ	-0.37%	3.66% +9.1% YoY	3.51% -0.9% YoY	3.75% +7.1% YoY	30%
Efficiency Ratio ?	71.01% -3.0% YoY -1.2% QoQ	+8.38%	62.63% -5.3% YoY	68.93% -10.6% YoY	65.09% -5.1% YoY	25%
Delinquency Rate ?	0.58% -27.4% YoY -38.0% QoQ	-0.04%	0.63% +18.3% YoY	1.19% +36.1% YoY	0.66% +20.3% YoY	41%
Loan-to-Deposit Ratio ?	98.76% -1.7% YoY -1.8% QoQ	+15.70%	83.06% +0.3% YoY	94.86% -2.1% YoY	78.04% +0.7% YoY	15%
Non-Interest-Bearing Deposit Share ?	19.68% -4.7% YoY -5.9% QoQ	-1.37%	21.05% -0.9% YoY	13.51% -4.5% YoY	21.79% -1.3% YoY	48%
Nonperforming Asset Ratio ?	0.45% -31.4% YoY -39.1% QoQ	-0.05%	0.50% +20.3% YoY	0.78% +39.6% YoY	0.48% +20.8% YoY	42%
Tier 1 Capital Ratio ?	13.39% +3.5% YoY +1.4% QoQ	+3.15%	10.24% -0.6% YoY	8.47% +2.0% YoY	9.75% -1.9% YoY	62%
Non-Interest Income / Assets ?	0.47% -8.3% YoY +47.6% QoQ	-0.27%	0.74% -1.3% YoY	0.90% -13.4% YoY	0.65% +0.6% YoY	44%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Liquidity Strain

risk

#141 of 513 · Bottom 27% in Community

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 98.76%

(Tier: 83.06%, National: 78.04%)

worse than tier avg

513 of 513 Community banks match · 609 nationally

→ Stable -4 banks QoQ | QoQ rank improving

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Total Loans

Current: $2.3B · Tier avg: $975.5M

93th pctile

Total Assets

Current: $3.0B · Tier avg: $1.4B

91th pctile

Total Deposits

Current: $2.3B · Tier avg: $1.2B

89th pctile

Tier 1 Capital Ratio

Current: 13.39% · Tier avg: 10.24%

62th pctile

Non-Interest-Bearing Deposit Share

Current: 19.68% · Tier avg: 21.05%

48th pctile

Non-Interest Income / Assets

Current: 0.47% · Tier avg: 0.74%

44th pctile

Nonperforming Asset Ratio

Current: 0.45% · Tier avg: 0.50%

42th pctile

Delinquency Rate

Current: 0.58% · Tier avg: 0.63%

41th pctile

Net Interest Margin

Current: 3.30% · Tier avg: 3.66%

30th pctile

Efficiency Ratio

Current: 71.01% · Tier avg: 62.63%

25th pctile

Loan-to-Deposit Ratio

Current: 98.76% · Tier avg: 83.06%

15th pctile

Return on Assets

Current: 0.58% · Tier avg: 1.16%

14th pctile

Top Weaknesses