Newtown Savings Bank
Newtown, CT · Cert 18199 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · NSB Mutual Holding Co.
SI · FDIC · 19 branches
Q2 2026
$1.9BAssets
$1.5BLoans
$1.6BDeposits
$167.1MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 74% of banks $1B-$10B in assets operating in a single state (rank 68 of 258).
- Widest gap: return on assets trails 85% of banks $1B-$10B in assets operating in a single state (rank 219 of 258).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.75%
Rank 219 of 258
Net Interest Margin
3.19%
Rank 188 of 258
Efficiency Ratio
72.16%
Rank 205 of 257
Equity / Assets
8.92%
Rank 205 of 258
Non-interest income vs. expense
Unfavorable gap of $39.9M · efficiency ratio beats 21% 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 | 0.75% | 0.93% | 1.23% | 1.54% | Beats 15% | 219 / 258 | | |
| Return on Equity | 8.46% | 9.26% | 11.84% | 14.74% | Beats 20% | 206 / 258 | | |
| Net Interest Margin | 3.19% | 3.16% | 3.49% | 3.88% | Beats 27% | 188 / 258 | | |
| Efficiency Ratio | 72.16% | 51.71% | 60.30% | 69.65% | Beats 21% | 205 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.19% | 0.46% | 0.90% | Beats 58% | 109 / 258 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 60% | 103 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 14.63% | 11.41% | 12.98% | 15.12% | Beats 72% | 72 / 258 | | |
| Total Risk-Based Capital Ratio | 15.89% | 12.10% | 13.91% | 16.08% | Beats 74% | 68 / 258 | | |
| Equity / Assets | 8.92% | 9.09% | 10.24% | 11.72% | Beats 21% | 205 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.34% | 73.24% | 86.34% | 95.95% | 80th pctl | 52 / 258 | | |
| Loans / Assets | 81.62% | 63.01% | 72.27% | 78.40% | 86th pctl | 37 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |