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BankNewport
Middletown, RI·FDIC Cert #18129·Charter: STATE·Est. 18190101.0·HC: OCEANPOINT FINL PARTNERS MHC
Total Assets
$3.0B
Q4 2025
Return on Assets
0.58%
+0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
71.01%
Peer avg: 58.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
48
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.58%+0.01
ROE
5.94%+0.03
Efficiency
71.01%-0.86
Equity/Assets
0.00%+0.00
NPL Ratio
0.58%-0.36
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
98.76%-1.81
Charge-offs
0.31%+0.22
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.2 | 0.2 | 0.3 | 0.4 | 0.4 | 0.5 | 0.6 | 0.6 |
| ROE | 2.5 | 2.2 | 3.6 | 3.8 | 4.1 | 5.5 | 5.9 | 5.9 |
| Efficiency | 78.7 | 76.6 | 74.1 | 73.2 | 78.7 | 74.1 | 71.9 | 71.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.2 | 0.2 | 0.8 | 0.9 | 0.8 | 0.9 | 0.6 |
| Charge-offs | 0.9 | 0.9 | 0.6 | 0.5 | 0.0 | 0.0 | 0.1 | 0.3 |
| Loan/Deposit | 98.8 | 98.5 | 99.9 | 100.4 | 102.4 | 100.6 | 100.6 | 98.8 |
Balance Sheet
Total Assets$3.0B
Total Deposits$2.3B
Total Loans$2.3B
Total Equity$302.2M
Profitability
ROA0.58%
ROE5.94%
Efficiency Ratio71.01%
Net Income$17.1M
Risk & Asset Quality
NPL Ratio0.58%
Charge-off Rate0.31%
Loan/Deposit98.76%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans