Total Assets
$1.9B
Total balance-sheet footings
FDIC Cert #18199 · Newtown, Connecticut · Est. 1855
Newtown Savings Bank - FDIC Bank Health Profile
A community-scale look at Newtown Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.9B
- Total assets
- B
- Health grade · Good
- 0.85%
- Return on assets
- 14.3%
- Tier 1 capital
Data updated July 2026
The verdict
Newtown Savings Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 14.29% Tier 1, 0.85% ROA, 69% efficiency ratio.
- #632
- largest of 4,313 FDIC banks by assets
- 85th
- percentile by asset size, nationally
- 14.29%
- Tier 1 ratio - above the 10% well-capitalized line
- 33rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Newtown Savings Bank's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Newtown Savings Bank's composite health score
Tier 1 Capital Ratio (14.29%) 35/40
Return on Assets (ROA) (0.85%) 14/25
Texas Ratio (4.30%) 20/20
Efficiency Ratio (68.77%) 8/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.6B
Customer-funded liabilities
Net Loans
$1.5B
Outstanding loan book
Net Income
$16M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Newtown Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Newtown Savings Bank's score of 77/100 falls in the highlighted band.
Newtown Savings Bank'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). Newtown Savings Bank's $1.9B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.29% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.29%
Texas Ratio
4.30%
Equity Capital
$160M
Profitability metrics
Return on Assets (ROA)
33rd percentile nationally
0.85%
Return on Equity (ROE)
10.41%
Efficiency Ratio
68.77%
What the numbers say about Newtown Savings Bank
Newtown Savings Bank is an FDIC-insured institution (Certificate #18199) headquartered in Newtown, Connecticut, established in 1855. It holds $1.9B in total assets - 632nd of 4,313 FDIC-insured banks, $1.6B in customer deposits, and $1.5B in net loans. Its capital position: a Tier 1 ratio of 14.29%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 4.30% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (77 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Newtown Savings Bank sits 9th of 28 banks headquartered in Connecticut by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$89M
Interest Income
$13M
Non-Interest Income
$48M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Newtown Savings Bank reports a Texas Ratio of 4.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Connecticut by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Newtown Savings Bank (FDIC Cert #18199) - 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 Connecticut
All Connecticut banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Webster Bank, National AssociationStamford | $84.0B | A | 1.26% |
| Liberty BankMiddletown | $9.0B | B | 0.99% |
| Bankwell BankNew Canaan | $3.4B | A | 1.27% |
| Union Savings BankDanbury | $3.3B | B | 0.61% |
| Ion BankNaugatuck | $2.7B | B | 0.79% |
| First County BankStamford | $2.3B | C | 0.22% |
| Fairfield County BankRidgefield | $1.9B | C | 0.46% |
| Thomaston Savings BankThomaston | $1.9B | B | 0.78% |
Frequently asked questions
What is Newtown Savings Bank's health grade?▼
Newtown Savings Bank receives a health grade of B (77/100) 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 Newtown Savings Bank?▼
Newtown Savings Bank holds $1.9B in total assets and $1.6B in deposits, ranking 632nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Newtown, Connecticut.
Is my money safe at Newtown Savings Bank?▼
Yes, deposits at Newtown Savings Bank (Certificate #18199) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Newtown Savings Bank's Tier 1 Capital Ratio?▼
Newtown Savings Bank has a Tier 1 Capital Ratio of 14.29%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Newtown Savings Bank?▼
Newtown Savings Bank has a Texas Ratio of 4.30%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Newtown Savings Bank?▼
Newtown Savings Bank has an Efficiency Ratio of 68.77%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Newtown Savings Bank's profile as a depositor or analyst.
- Newtown Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Newtown Savings Bank against other Connecticut banks before moving funds. Connecticut 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.