Banknewport
Middletown, RI · Cert 18129 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Oceanpoint Finl Partners MHC
State charter, Fed member · FED · 19 branches
Q2 2026
$3.1BAssets
$2.5BLoans
$2.4BDeposits
$304.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 64% of banks $1B-$10B in assets operating in a single state (rank 95 of 258).
- Widest gap: return on assets trails 90% of banks $1B-$10B in assets operating in a single state (rank 232 of 258).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.61%
Rank 232 of 258
Net Interest Margin
3.08%
Rank 204 of 258
Efficiency Ratio
69.69%
Rank 196 of 257
Equity / Assets
9.93%
Rank 144 of 258
Non-interest income vs. expense
Unfavorable gap of $62.2M · efficiency ratio beats 24% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.61% | 0.93% | 1.23% | 1.54% | Beats 10% | 232 / 258 | | |
| Return on Equity | 6.18% | 9.26% | 11.84% | 14.74% | Beats 11% | 229 / 258 | | |
| Net Interest Margin | 3.08% | 3.16% | 3.49% | 3.88% | Beats 21% | 204 / 258 | | |
| Efficiency Ratio | 69.69% | 51.71% | 60.30% | 69.65% | Beats 24% | 196 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.95% | 0.19% | 0.46% | 0.90% | Beats 23% | 200 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 64% | 95 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 12.70% | 11.41% | 12.98% | 15.12% | Beats 45% | 142 / 258 | | |
| Total Risk-Based Capital Ratio | 13.62% | 12.10% | 13.91% | 16.08% | Beats 45% | 142 / 258 | | |
| Equity / Assets | 9.93% | 9.09% | 10.24% | 11.72% | Beats 44% | 144 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.89% | 73.24% | 86.34% | 95.95% | 86th pctl | 35 / 258 | | |
| Loans / Assets | 81.21% | 63.01% | 72.27% | 78.40% | 83rd pctl | 44 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |