FDIC Cert #18734 · Miami, Florida · Est. 1963

Newtek Bank, National Association - FDIC Bank Health Profile

A community-scale look at Newtek Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.7B
Total assets
B
Health grade · Good
2.93%
Return on assets
12.1%
Tier 1 capital

Data updated July 2026

The verdict

Newtek Bank, National Association earns a PlainBankData health grade of B (79/100), with well-capitalized at 12.12% Tier 1, profitable at 2.93% ROA, efficient (48% cost ratio).

#663
largest of 4,313 FDIC banks by assets
85th
percentile by asset size, nationally
12.12%
Tier 1 ratio - above the 10% well-capitalized line
98th
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 18734 · FL B · 79/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (79/100)
  • MID-PACK #2068/4307
  • PHOTO-FINISH The Union State Bank… · KS
  • TIER1-WELL 12.1% Tier 1
  • TEXAS-HEALTHY 40.7% Texas
  • ROA-STRONG 2.93% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: The Union State Bank of Everest, KS (±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 Newtek Bank

Lowest and highest poles plus nearest scored peers outside Florida, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Centreville Bank · RI · near79/100Newtek Bank, Nationa… · FL ·…79/100Peoples State Bank · WI · ne…79/100Southeast First Nati… · GA ·…79/100The Union State Bank… · KS ·…79/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Newtek Bank · July 2026

Call Report read for Newtek Bank in a high-failure state

Newtek Bank, National Association (FDIC Cert #18734) carries a PlainBankData health grade of B at 79/100, 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 #2,068 of 4,307. Tier 1 capital prints at 12.12%, clearing the 10% well-capitalized line. The Texas Ratio is 40.66%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.93%. Balance-sheet scale is $1.7B, 663rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Union State Bank of Everest (KS), 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 Newtek Bank

76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus

Newtek Bank, National Association sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about Newtek Bank, National Association's current Call Report.

  • FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
  • FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
  • VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Florida banks.

How Newtek Bank, National Association's 79/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10079/100
Newtek Bank, National Association's composite health score
Tier 1 Capital Ratio (12.12%) 35/40
Return on Assets (ROA) (2.93%) 25/25
Texas Ratio (40.66%) 4/20
Efficiency Ratio (47.95%) 15/15

79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.7B

Total balance-sheet footings

Total Deposits

$1.5B

Customer-funded liabilities

Net Loans

$1.4B

Outstanding loan book

Net Income

$41M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.72% 12.12% 13.52%
Basel III capital ratios - Newtek Bank, National Association

Where Newtek Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Newtek Bank, National Association's score of 79/100 falls in the highlighted band.

Newtek Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

79 Top 48% higher than 52% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Newtek Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

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

Newtek Bank, National Association'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). Newtek Bank, National Association's $1.7B falls in the highlighted band.

Capital & credit buffers at Newtek Bank

Tier 1 capital ratio
Well-capitalized 10%

12.12% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.12%
Texas Ratio
40.66%
Equity Capital
$167M

What these ratios mean →

Earnings posture at Newtek Bank

Return on Assets (ROA)
98th percentile nationally
2.93%
Return on Equity (ROE)
27.65%
Efficiency Ratio
47.95%

What these mean →

Income & expense at Newtek Bank

$112M
Interest Income
$114M
Non-Interest Income
$88M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Newtek Bank, National Association reports a Texas Ratio of 40.66% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

40.66% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Newtek Bank, National Association on FDIC BankFind →

Top banks in Florida by total assets

Largest banks headquartered in Florida
  1. 1
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  2. 2
    EverBank $46.0B

    Jacksonville, FL · Grade B

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  5. 5
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

Top 5 banks in Florida ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.7B here), outside Florida so the neighborhood is not state containment.

Security National Bank of Omaha $1.7B · NE Community State Bank $1.7B · IA Chain Bridge Bank $1.8B · VA Lincoln Savings Bank $1.8B · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Newtek Bank, National Association (FDIC Cert #18734) - 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.

Newtek Bank, National Association Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Florida

All Florida banks →
BankAssetsGradeROA
SouthState Bank, National AssociationWinter Haven $67.2B A 1.40%
EverBank, National AssociationJacksonville $46.0B B 0.72%
Raymond James BankSaint Petersburg $43.4B A 1.47%
BankUnited, National AssociationMiami Lakes $35.0B B 0.89%
City National Bank of FloridaMiami $28.0B A 0.96%
Seacoast National BankStuart $20.8B A 0.91%
Amerant Bank, National AssociationCoral Gables $9.8B C 0.64%
Ocean BankMiami $7.4B B 0.92%