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Newport Federal Bank

Newport, TN · Cert 29089 · United Tennessee Bankshares

State savings bank · OCC · 2 branches

Q2 2026

$276.8MAssets
$132.1MLoans
$250.5MDeposits
$23.2MEquity
Loan mix
97%RE $126.1M1%C&I $1.0M3%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $229.1M9%Noninterest $21.4MQ2 2025Q2 2026

NIM

4.07%Q2 ’244.12%Q2 ’254.25%Q2 ’26+11%+12%

Non-interest income vs. expense

1.78%Q2 ’241.95%Q2 ’251.91%Q2 ’26-6%+17%

Executive Summary

  • Earnings: ROA of 0.87%, up 5 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.69% of loans (+15 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.42%, up 27 bps from a year ago.
  • Funding: loans stand at 52.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.87%+5 bps YoY

Net Interest Margin (quarter, annualized)

2.72%+30 bps YoY

Efficiency Ratio (quarter, annualized)

63.35%-195 bps YoY

Tier 1 Leverage Ratio

10.42%+27 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.70%0.77%0.79%0.87%+5 bps
Return on Equity10.99%9.01%9.24%9.41%10.41%-58 bps
Net Interest Margin2.42%2.51%2.59%2.60%2.72%+30 bps
Efficiency Ratio65.30%68.57%66.89%65.24%63.35%-195 bps
Non-Interest Burden1.39%1.63%1.64%1.60%1.62%+23 bps
Growth
Asset Growth (YoY)1.74%1.03%1.53%2.15%0.85%-89 bps
Loan Growth (YoY)5.11%2.84%5.01%4.80%5.43%+32 bps
Deposit Growth (YoY)0.84%0.35%-0.10%1.22%-0.21%-105 bps
Asset Quality
Nonperforming Loans / Loans0.54%0.69%0.35%0.26%0.69%+15 bps
Net Charge-Offs / Loans-0.01%0.00%0.01%0.00%0.00%+1 bps
Allowance / Loans1.30%1.32%1.27%1.25%1.23%-7 bps
Allowance Coverage of NPLs2.4x1.9x3.6x4.7x1.8x-0.6x
Capital
Tier 1 Leverage Ratio10.15%10.33%10.52%10.59%10.42%+27 bps
Total Risk-Based Capital22.67%23.61%23.28%23.50%22.93%+26 bps
Equity / Assets7.39%8.19%8.53%8.33%8.39%+101 bps
Liquidity & Funding
Loans / Deposits49.90%49.89%51.43%51.18%52.72%+282 bps
Liquid Assets / Assets7.42%6.17%3.95%5.27%4.02%-339 bps
CRE / Total Capitaln/a81.55%83.00%84.58%n/an/a