TellerScore

BankNewport (FDIC certificate #18129) is based in Middletown, Rhode Island. Its Q2 2026 call report shows $3.1B in total assets and $2.4B in deposits and 20 offices.

BankNewport has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 897 banks with $1 billion – $10 billion. Among 5 banks headquartered in Rhode Island, it ranks 3rd. Problem-loan coverage contributes the most (86/100, 7.2%); funding & liquidity contributes the least (42/100, 101% loans-to-deposits, 30% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.58%
Loan quality68/100
Noncurrent loans ÷ total loans: 0.95%
Earnings45/100
Return on assets (annualized): 0.62%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 100.9% · 30.1% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.21%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (60 → 58), mostly because the funding & liquidity component weakened by 6 points.

TellerScore
586164Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202459
Q1 202559
Q2 202560
Q3 202559
Q4 202563
Q1 202660
Q2 202658
Tier 1 leverage ratio
5.00%7.91%10.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.77%
Q3 202410.78%
Q4 202410.78%
Q1 202510.75%
Q2 202510.65%
Q3 202510.58%
Q4 202510.66%
Q1 202610.83%
Q2 202610.58%
Noncurrent loans
0.18%0.56%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.18%
Q3 20240.24%
Q4 20240.80%
Q1 20250.84%
Q2 20250.81%
Q3 20250.93%
Q4 20250.58%
Q1 20260.74%
Q2 20260.95%
Return on assets
0.21%0.41%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.21%
Q3 20240.34%
Q4 20240.37%
Q1 20250.40%
Q2 20250.54%
Q3 20250.58%
Q4 20250.58%
Q1 20260.53%
Q2 20260.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$3.1B10.58%0.95%0.62%100.9%
Q1 202660$3.1B10.83%0.74%0.53%100.5%
Q4 202563$3.0B10.66%0.58%0.58%98.8%
Q3 202559$3.0B10.58%0.93%0.58%100.6%
Q2 202560$3.0B10.65%0.81%0.54%100.6%
Q1 202559$2.9B10.75%0.84%0.40%102.4%
Q4 202459$2.8B10.78%0.80%0.37%100.4%
Q3 202464$2.8B10.78%0.24%0.34%99.9%
Q2 202464$2.8B10.77%0.18%0.21%98.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.58%
52nd
Total risk-based capital13.62%
49th
Problem loans0.95%
28th
Net charge-offs0.02%
56th
Return on assets0.62%
11th
Net interest margin3.26%
25th
Efficiency ratio69.6%
22nd
Loans to deposits100.9%
12th
Uninsured deposits30.1%
53rd
Loan-loss reserves0.95%
25th
Texas ratio7.2%
25th

Similar-size banks in Rhode Island

InstitutionScoreAssetsCapitalProblem loansCompare
Centreville BankBank West Warwick, RI66 out of 100, Moderate$3.2B13.4%1.80%vs
The Washington Trust Company, of WesterlyBank Westerly, RI58 out of 100, Moderate$6.6B8.9%0.78%vs

Deposit insurance

Is my money safe at BankNewport?

Yes. BankNewport is an FDIC-insured institution (FDIC certificate #18129). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.1% of deposits ($736.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.62% (benchmark: 10%).

Check how much of your own balance is covered

20 locations

Branches

BankNewport lists 19 offices in 16 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, BankNewport reported 1,082 home-loan applications under HMDA (LEI 549300RYJCJ7JPQ4RF20): 710 originated ($253,730,000 total), 229 denied, and 120 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
BankNewport
Former names
Bank of Newport; The Savings Bank of Newport
Type
State-chartered bank (Fed member)
FDIC certificate #
18129
RSSD ID
546003
Primary regulator
FED
Holding company
Oceanpoint Finl Partners Mhc
Established
January 1, 1819
Headquarters
184 John Clarke Rd, Middletown, RI 02842
Employees
300

Quick answers

BankNewport: common questions

Is BankNewport FDIC insured?

Yes. BankNewport is an FDIC-insured institution (FDIC certificate #18129). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is BankNewport's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has BankNewport ever failed?

There is no failure record for FDIC certificate #18129 in the FDIC failed bank list.

How many branches does BankNewport have?

20 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Middletown

InstitutionScoreAssetsCapitalProblem loansCompare
Natco Employees Federal Credit UnionCredit union West Warwick, RI93 out of 100, Very strong$208K17.4%0.00%vs
First Citizens' Federal Credit UnionCredit union Fairhaven, MA83 out of 100, Strong$705.9M20.2%0.77%vs
Somerset Federal Credit UnionCredit union Somerset, MA78 out of 100, Strong$263.3M12.5%0.19%vs
Mechanics Cooperative BankBank Taunton, MA77 out of 100, Strong$898.8M12.4%0.03%vs
Westport Federal Credit UnionCredit union Westport, MA75 out of 100, Strong$82.2M9.9%0.37%vs
St. Anthony of Padua Federal Credit UnionCredit union Fall River, MA75 out of 100, Strong$38.4M19.6%1.91%vs