Newport Federal Bank
Newport, TN · Cert 29089 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · United Tennessee Bankshares
State savings bank · OCC · 2 branches
Q2 2026
$276.8MAssets
$132.1MLoans
$250.5MDeposits
$23.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: net interest margin trails 92% of banks under $1B in assets operating in a single state (rank 686 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.84%
Rank 497 of 746
Net Interest Margin
2.66%
Rank 686 of 746
Efficiency Ratio
64.27%
Rank 367 of 746
Equity / Assets
8.39%
Rank 612 of 746
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 51% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.72% | 1.06% | 1.45% | Beats 33% | 497 / 746 | |
| Return on Equity | 9.95% | 6.74% | 10.51% | 13.63% | Beats 46% | 402 / 746 | |
| Net Interest Margin | 2.66% | 3.17% | 3.68% | 4.16% | Beats 8% | 686 / 746 | |
| Efficiency Ratio | 64.27% | 55.74% | 64.58% | 75.47% | Beats 51% | 367 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.09% | 0.42% | 1.07% | Beats 38% | 462 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 21.67% | 11.55% | 13.75% | 17.60% | Beats 86% | 104 / 746 | |
| Total Risk-Based Capital Ratio | 22.93% | 11.71% | 14.33% | 18.43% | Beats 87% | 100 / 746 | |
| Equity / Assets | 8.39% | 8.90% | 10.51% | 13.06% | Beats 18% | 612 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 52.72% | 61.31% | 78.27% | 90.78% | 15th pctl | 635 / 746 | |
| Loans / Assets | 47.71% | 53.60% | 66.97% | 76.08% | 18th pctl | 614 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |