BlastPoint's Banking Scorecard
Newtown Savings Bank
Community
Specialty: Mortgage
CT
FDIC cert 18199
Newtown, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
Newtown Savings Bank faces 2 concerns 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 14% in Community
- - Credit Risk Growth: Bottom 22% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+3.5% YoY
-1.2% QoQ
|
+$479.2M |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$1.5B
+2.6% YoY
-1.4% QoQ
|
+$490.2M |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$1.6B
+5.5% YoY
-1.7% QoQ
|
+$417.7M |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
0.85%
+164.1% YoY
+6.7% QoQ
|
-0.32% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.29%
+19.3% YoY
+0.6% QoQ
|
-0.37% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
68.77%
-14.4% YoY
-2.4% QoQ
|
+6.14% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
0.52%
+145.2% YoY
+32.8% QoQ
|
-0.10% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
92.63%
-2.8% YoY
+0.4% QoQ
|
+9.56% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
18.98%
-6.8% YoY
+3.0% QoQ
|
-2.07% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.41%
+143.1% YoY
+32.6% QoQ
|
-0.09% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
14.29%
+5.4% YoY
+2.4% QoQ
|
+4.05% |
10.24%
-0.6% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.67%
+14.7% YoY
+44.4% QoQ
|
-0.07% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#72 of 513 · Bottom 14% 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:
92.63%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#139 of 642 · Bottom 22% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 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%
Top Strengths
80
80th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.63% · Tier avg: 83.06%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.29% · Tier avg: 10.24%
67
67th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.74%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.98% · Tier avg: 21.05%
30
30th pctile
Efficiency Ratio
Current: 68.77% · Tier avg: 62.63%
29
29th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
Top Weaknesses
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
29
29th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
30
30th pctile
Efficiency Ratio
Current: 68.77% · Tier avg: 62.63%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.98% · Tier avg: 21.05%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
67
67th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.74%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.29% · Tier avg: 10.24%
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.63% · Tier avg: 83.06%
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
80
80th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M