TellerScore

Newtown Savings Bank is a si headquartered in Newtown, Connecticut, in business for about 171 years. At the end of Q2 2026 it reported $1.9B in total assets and $1.6B in deposits, with 19 offices.

Based on its Q2 2026 filing, Newtown Savings Bank scores 65/100, which we describe as moderate. That is higher than only 36% of 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Connecticut, it ranks 16th. Its strongest component is problem-loan coverage (94/100; 3.0%), and its lowest is capital cushion (45/100; 9.48%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.48%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.37%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 96.1% · 14.5% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.01%

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 rose 4 points (61 → 65), mostly because the capital cushion component improved by 7 points.

TellerScore
576165Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202459
Q4 202459
Q1 202562
Q2 202561
Q3 202563
Q4 202563
Q1 202663
Q2 202665
Tier 1 leverage ratio
5.00%7.24%9.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.17%
Q3 20248.08%
Q4 20248.43%
Q1 20258.57%
Q2 20258.84%
Q3 20258.76%
Q4 20259.01%
Q1 20269.11%
Q2 20269.48%
Noncurrent loans
0.21%0.36%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.25%
Q3 20240.21%
Q4 20240.21%
Q1 20250.37%
Q2 20250.43%
Q3 20250.39%
Q4 20250.52%
Q1 20260.47%
Q2 20260.37%
Return on assets
0.07%0.46%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.07%
Q3 20240.22%
Q4 20240.32%
Q1 20250.78%
Q2 20250.72%
Q3 20250.80%
Q4 20250.85%
Q1 20260.73%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$1.9B9.48%0.37%0.75%96.1%
Q1 202663$1.9B9.11%0.47%0.73%90.2%
Q4 202563$1.9B9.01%0.52%0.85%92.6%
Q3 202563$1.9B8.76%0.39%0.80%92.3%
Q2 202561$1.8B8.84%0.43%0.72%99.9%
Q1 202562$1.8B8.57%0.37%0.78%93.1%
Q4 202459$1.8B8.43%0.21%0.32%95.2%
Q3 202459$1.9B8.08%0.21%0.22%88.0%
Q2 202457$1.8B8.17%0.25%0.07%93.1%

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 ratio9.48%
22nd
Total risk-based capital15.89%
76th
Problem loans0.37%
63rd
Net charge-offs0.01%
65th
Return on assets0.75%
17th
Net interest margin3.34%
28th
Efficiency ratio72.2%
17th
Loans to deposits96.1%
22nd
Uninsured deposits14.5%
92nd
Loan-loss reserves1.26%
65th
Texas ratio3.0%
56th

Similar-size banks in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Fairfield County BankBank Ridgefield, CT76 out of 100, Strong$1.9B14.3%0.05%vs
Thomaston Savings BankBank Thomaston, CT68 out of 100, Moderate$1.9B10.7%0.65%vs
Chelsea Groton BankBank Groton, CT82 out of 100, Strong$1.8B16.7%0.48%vs
Ives BankBank Danbury, CT67 out of 100, Moderate$1.7B13.9%1.41%vs
Ascend BankBank Guilford, CT66 out of 100, Moderate$1.5B9.7%0.50%vs
Patriot Bank, National AssociationBank Stamford, CT36 out of 100, Low$1.3B9.6%2.75%vs

Deposit insurance

Is my money safe at Newtown Savings Bank?

Yes. Newtown Savings Bank is an FDIC-insured institution (FDIC certificate #18199). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.5% of deposits ($226.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.48%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.89% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

Newtown Savings Bank lists 16 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Newtown Savings Bank reported 1,025 home-loan applications under HMDA (LEI 549300YFPHIE78XPP635): 748 originated ($280,790,000 total), 69 denied, and 201 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.4%, 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
Newtown Savings Bank
Type
SI
FDIC certificate #
18199
RSSD ID
507509
Primary regulator
FDIC
Holding company
Nsb Mutual Holding Co
Established
October 1, 1855
Headquarters
39 Main St, Newtown, CT 06470
Employees
239

Quick answers

Newtown Savings Bank: common questions

Is Newtown Savings Bank FDIC insured?

Yes. Newtown Savings Bank is an FDIC-insured institution (FDIC certificate #18199). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Newtown Savings Bank's TellerScore?

65 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 Newtown Savings Bank ever failed?

There is no failure record for FDIC certificate #18199 in the FDIC failed bank list.

How many branches does Newtown Savings Bank have?

19 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Newtown

InstitutionScoreAssetsCapitalProblem loansCompare
Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT91 out of 100, Very strong$365.2M17.1%0.26%vs
New Haven Teachers Federal Credit UnionCredit union New Haven, CT90 out of 100, Very strong$10.2M32.0%0.13%vs
New Haven Firefighters Credit UnionCredit union New Haven, CT89 out of 100, Very strong$5.9M26.3%0.00%vs
Bridgeport Police Federal Credit UnionCredit union Bridgeport, CT86 out of 100, Very strong$29.6M18.7%1.65%vs
Sikorsky Financial Credit UnionCredit union Stratford, CT84 out of 100, Strong$1.5B12.9%0.25%vs
The Putnam County National Bank of CarmelBank Carmel, NY83 out of 100, Strong$182.7M26.8%0.48%vs