Total Assets
$1.7B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$1.5B
Customer-funded liabilities
Net Loans
$1.4B
Outstanding loan book
Net Income
$41M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
98th percentile nationally
2.93%
Return on Equity (ROE)
27.65%
Efficiency Ratio
47.95%
What the numbers say about Newtek Bank, National Association
Newtek Bank, National Association is an FDIC-insured institution (Certificate #18734) headquartered in Miami, Florida, established in 1963. It holds $1.7B in total assets - 663rd of 4,313 FDIC-insured banks, $1.5B in customer deposits, and $1.4B in net loans. Looking at capital strength, Tier 1 stands at 12.12%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 40.66%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (79/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Florida, Newtek Bank, National Association ranks 20th of 83 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Florida by total assets
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.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Newtek Bank, National Association's health grade?▼
Newtek Bank, National Association receives a health grade of B (79/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Newtek Bank, National Association?▼
Newtek Bank, National Association holds $1.7B in total assets and $1.5B in deposits, ranking 663rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Miami, Florida.
Is my money safe at Newtek Bank, National Association?▼
Yes, deposits at Newtek Bank, National Association (Certificate #18734) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Newtek Bank, National Association's Tier 1 Capital Ratio?▼
Newtek Bank, National Association has a Tier 1 Capital Ratio of 12.12%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Newtek Bank, National Association?▼
Newtek Bank, National Association has a Texas Ratio of 40.66%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Newtek Bank, National Association?▼
Newtek Bank, National Association has an Efficiency Ratio of 47.95%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Newtek Bank, National Association's profile as a depositor or analyst.
- Newtek Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Newtek Bank, National Association against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.