BlastPoint's Banking Scorecard
Newport Federal Bank
Micro
Specialty: Other
TN
FDIC cert 29089
Designations: ✓ Community bank
Newport, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Newport Federal 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
- - Net Interest Margin 1.28% below tier
- - Non-Interest-Bearing Deposit Share 15.15% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$274.8M
+1.5% YoY
+0.3% QoQ
|
+$57.3M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$125.9M
+5.1% YoY
+3.1% QoQ
|
-$13.3M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$247.9M
-0.1% YoY
-0.1% QoQ
|
+$64.3M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
0.73%
+54.7% YoY
+2.1% QoQ
|
-0.36% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
2.57%
+13.7% YoY
+1.9% QoQ
|
-1.28% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
67.88%
-11.1% YoY
-0.5% QoQ
|
+0.16% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.36%
-36.7% YoY
-48.6% QoQ
|
-0.28% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
50.78%
+5.2% YoY
+3.1% QoQ
|
-23.75% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.25%
-54.3% YoY
-1.2% QoQ
|
-15.15% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.16%
-34.4% YoY
-47.2% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
22.03%
+3.5% YoY
-1.5% QoQ
|
+13.18% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.38%
+31.2% YoY
+22.4% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.57%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
7.25%
(Tier avg: 22.39%, National avg: 21.79%)
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
90
90th pctile
Tier 1 Capital Ratio
Current: 22.03% · Tier avg: 8.85%
86
86th pctile
Loan-to-Deposit Ratio
Current: 50.78% · Tier avg: 74.53%
71
71th pctile
Total Deposits
Current: $247.9M · Tier avg: $183.7M
67
67th pctile
Total Assets
Current: $274.8M · Tier avg: $217.5M
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
52
52th pctile
Total Loans
Current: $125.9M · Tier avg: $139.2M
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
46
46th pctile
Efficiency Ratio
Current: 67.88% · Tier avg: 67.73%
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.25% · Tier avg: 22.39%
6
6th pctile
Net Interest Margin
Current: 2.57% · Tier avg: 3.85%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.57% · Tier avg: 3.85%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.25% · Tier avg: 22.39%
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
46
46th pctile
Efficiency Ratio
Current: 67.88% · Tier avg: 67.73%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
52
52th pctile
Total Loans
Current: $125.9M · Tier avg: $139.2M
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
67
67th pctile
Total Assets
Current: $274.8M · Tier avg: $217.5M
71
71th pctile
Total Deposits
Current: $247.9M · Tier avg: $183.7M
86
86th pctile
Loan-to-Deposit Ratio
Current: 50.78% · Tier avg: 74.53%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.03% · Tier avg: 8.85%