BlastPoint's Banking Scorecard
Newtek Bank, National Association
Community
Specialty: Commercial
FL
FDIC cert 18734
Miami, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Newtek Bank, National Association has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 1% in Community
- + Return on Assets 1.77% above tier
- + Net Interest Margin 1.54% above tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 26% in Community
- - Delinquency Rate 5.68% above tier
- - Non-Interest-Bearing Deposit Share 17.48% below tier
- - Nonperforming Asset Ratio 4.57% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+42.5% YoY
+15.5% QoQ
|
+$338.6M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$1.4B
+84.3% YoY
+11.9% QoQ
|
+$394.1M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$1.5B
+45.1% YoY
+17.8% QoQ
|
+$348.3M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
2.93%
-51.2% YoY
-5.5% QoQ
|
+1.77% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.21%
-0.8% YoY
-0.5% QoQ
|
+1.54% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
47.95%
+13.2% YoY
+0.3% QoQ
|
-14.68% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
6.31%
+87.2% YoY
+2.1% QoQ
|
+5.68% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
90.53%
+27.0% YoY
-5.0% QoQ
|
+7.47% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
3.56%
+233.3% YoY
+110.1% QoQ
|
-17.48% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
5.07%
+145.7% YoY
-2.6% QoQ
|
+4.57% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
12.12%
-15.1% YoY
-6.6% QoQ
|
+1.88% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
49% |
| Non-Interest Income / Assets ? |
6.62%
-34.4% YoY
+11.2% QoQ
|
+5.88% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#3 of 371 · Top 1% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
6.62%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.93%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Top 1%
in Community
Why this stands out
Current:
2.93%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Top 4%
in Community
Why this stands out
Current:
5.21%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (4)
Cost Spiral
risk
#11 of 40 · Bottom 26% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
47.95%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
6.31%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Community
Why this stands out
Current:
3.56%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
5.07%
(Tier avg: 0.50%, National avg: 0.48%)
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
99
99th pctile
Non-Interest Income / Assets
Current: 6.62% · Tier avg: 0.74%
99
99th pctile
Return on Assets
Current: 2.93% · Tier avg: 1.16%
96
96th pctile
Net Interest Margin
Current: 5.21% · Tier avg: 3.66%
87
87th pctile
Efficiency Ratio
Current: 47.95% · Tier avg: 62.63%
78
78th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
49
49th pctile
Tier 1 Capital Ratio
Current: 12.12% · Tier avg: 10.24%
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.53% · Tier avg: 83.06%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 3.56% · Tier avg: 21.05%
0
0th pctile
Delinquency Rate
Current: 6.31% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.07% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.07% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 6.31% · Tier avg: 0.63%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 3.56% · Tier avg: 21.05%
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.53% · Tier avg: 83.06%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.12% · Tier avg: 10.24%
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
78
78th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
87
87th pctile
Efficiency Ratio
Current: 47.95% · Tier avg: 62.63%
96
96th pctile
Net Interest Margin
Current: 5.21% · Tier avg: 3.66%
99
99th pctile
Return on Assets
Current: 2.93% · Tier avg: 1.16%
99
99th pctile
Non-Interest Income / Assets
Current: 6.62% · Tier avg: 0.74%