Total Assets
$3.0B
Total balance-sheet footings
FDIC Cert #18129 · Middletown, Rhode Island · Est. 1819
BankNewport - FDIC Bank Health Profile
A community-scale look at BankNewport's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.0B
- Total assets
- B
- Health grade · Good
- 0.58%
- Return on assets
- 13.4%
- Tier 1 capital
Data updated July 2026
The verdict
BankNewport earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.39% Tier 1, 0.58% ROA, 71% efficiency ratio.
- #423
- largest of 4,313 FDIC banks by assets
- 90th
- percentile by asset size, nationally
- 13.39%
- Tier 1 ratio - above the 10% well-capitalized line
- 19th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
FDIC Call Report plate
Cert 18129 · RI B · 73/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL
- GRADE-B B (73/100)
- MID-PACK #2701/4307
- PHOTO-FINISH Savings Bank of Walp… · NH
- TIER1-WELL 13.4% Tier 1
- TEXAS-CLEAN 4.2% Texas
- ROA-THIN 0.58% ROA
- SIZE-REGIONAL $1–10B
- BOOK-FULL 9/9 fields
Nearest health peer outside Rhode Island: Savings Bank of Walpole, NH (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around BankNewport
Lowest and highest poles plus nearest scored peers outside Rhode Island, not a full FDIC corpus board reprint.
Plate reading for BankNewport where failures stay rare
BankNewport (FDIC Cert #18129) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,701 of 4,307. Tier 1 capital prints at 13.39%, clearing the 10% well-capitalized line. The Texas Ratio is 4.20%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.58%. Balance-sheet scale is $3.0B, 423rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Savings Bank of Walpole (NH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around BankNewport
Zero FAILURE resolutions in Rhode Island since 2000
BankNewport is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.
- OLD STONE SB PROVIDENCE, RI 1993 → CITIZENS SB
- EASTLAND SAVINGS BANK WOONSOCKET, RI 1992 → FLEET NATIONAL BANK
- EASTLAND BANK WOONSOCKET, RI 1992 → FLEET NATIONAL BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Rhode Island banks.
How BankNewport's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (13.39%) 35/40
Return on Assets (ROA) (0.58%) 14/25
Texas Ratio (4.20%) 20/20
Efficiency Ratio (71.01%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.3B
Customer-funded liabilities
Net Loans
$2.3B
Outstanding loan book
Net Income
$17M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where BankNewport ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BankNewport's score of 73/100 falls in the highlighted band.
BankNewport: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
73 37th percentile higher than 37% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
BankNewport's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). BankNewport's $3.0B falls in the highlighted band.
Safety metrics: BankNewport
Tier 1 capital ratio
Well-capitalized 10%
13.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.39%
Texas Ratio
4.20%
Equity Capital
$302M
Profitability metrics: BankNewport
Return on Assets (ROA)
19th percentile nationally
0.58%
Return on Equity (ROE)
5.94%
Efficiency Ratio
71.01%
Income & expense at BankNewport
$153M
Interest Income
$14M
Non-Interest Income
$75M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. BankNewport reports a Texas Ratio of 4.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Rhode Island by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($3.0B here), outside Rhode Island so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BankNewport (FDIC Cert #18129) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
BankNewport Call Report profile · FDIC Failed Bank List · Rhode Island FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Rhode Island
All Rhode Island banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Citizens Bank, National AssociationProvidence | $225.9B | B | 0.87% |
| The Washington Trust Company, of WesterlyWesterly | $6.6B | B | 0.80% |
| Centreville BankWest Warwick | $3.0B | B | 1.01% |
| Shoreham BankWarwick | $481M | B | 0.83% |
| Independence BankEast Greenwich | $14M | C | -5.49% |