# NEWTOWN SAVINGS BANK
NEWTOWN, CT · FDIC certificate 18199 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.87B | |
| Deposits | $1.57B | |
| Loans and leases | $1.53B | |
| Total equity | $167.1M | |
| Loans / deposits | 96.11% (p78 of band) | 87.10% |
| Liquid assets / assets | 14.43% (p20 of band) | |
| Uninsured deposits / deposits | 14.45% (p8 of band) | 30.76% |
| Brokered deposits | 0.57% | |
| Wholesale funding | 5.95% (p50 of band) | |
| FHLB advances / assets | 5.38% | |
| Tier 1 leverage | 9.48% (p22 of band) | 10.50% |
| Unrealized securities loss / equity | -10.33% (p39 of band) | -7.75% |
| AOCI / equity | -0.27% (p52 of band) | |
| ROA (annualized) | 0.75% (p17 of band) | 1.26% |
| Net interest margin | 3.34% (p28 of band) | 3.70% |
| Efficiency ratio | 72.16% (p83 of band) | |
| Noncurrent loans | 0.37% (p38 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p36 of band) | |
| Reserve coverage of noncurrent | 343.42% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 36.47% (p38 of band) | |
| Auto loans | $612,000 (0.04% of loans; DQ 0.33%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 239 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 4 | uninsured deposits leaving |  |
| 2012-12 | 4 | charge-offs p90 | uninsured deposits leaving |
| 2013-03 | 3 | capital falling | loans exceed deposits, charge-offs p90 |
| 2013-06 | 1 |  | wholesale funding >15%, capital falling |
| 2013-09 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | reserve under noncurrent |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | expense ratio p90 |  |
| 2014-12 | 3 | liquid assets <10% | expense ratio p90 |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 | expense ratio p90 | liquid assets <10% |
| 2015-09 | 5 | liquid assets <10%, capital falling |  |
| 2015-12 | 3 |  | liquid assets <10%, capital falling |
| 2016-03 | 4 | uninsured deposits leaving |  |
| 2016-06 | 3 |  | expense ratio p90 |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | uninsured deposits leaving |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | expense ratio p90 | capital falling |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | capital falling |  |
| 2018-12 | 2 |  | wholesale funding >15%, capital falling |
| 2019-03 | 1 |  | loans exceed deposits |
| 2019-06 | 2 | loans exceed deposits |  |
| 2019-09 | 3 | uninsured deposits leaving |  |
| 2019-12 | 2 |  | uninsured deposits leaving |
| 2020-03 | 3 | wholesale funding >15%, charge-offs p90 | loans exceed deposits |
| 2020-06 | 2 | capital falling | expense ratio p90, charge-offs p90 |
| 2020-09 | 0 |  | wholesale funding >15%, capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | expense ratio p90 |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | NIM <2.5% |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 4 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | NIM <2.5%, capital falling, securities losses >30% of equity |
| 2023-03 | 0 |  | expense ratio p90 |
| 2023-06 | 3 | expense ratio p90, deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | expense ratio p90 |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | expense ratio p90, charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 1 |  | expense ratio p90 |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-31 [Newtown Savings Bank Welcomes Thomas Burden As Commercial Loan Officer - newtownbee.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPRHdySU80bm5vVk5YOG95d3pMNHkyMlpWRGwtWnJpR1ZQYjRvNjBJUlFPZC02emtTUUk5NXQ1NUxtSGpjZVFYckdmUGNZZ0VuWHA2VVhwRDhYVndERG0wSDJnaXFHMFBvSWNpdkhFZGVIUGxRU3ZqWVNuOVR5Vm1kMl9BZ2dRVjRJMHJMb085U0czNC1hTV85d1FLMWpNd0ZiRzA3VHBrQU5UOFU?oc=5) · newtownbee.com
- 2026-09-06 [Newtown Savings Bank Expands Commitment to Bridgeport with New Banking Center in Steelpoint­e Harbor Developmen­t - PressReader](https://news.google.com/rss/articles/CBMihwFBVV95cUxPS1Z0REhhcVlOS2h4ZEJpcXBodHRPb0RqdGlmSjNnSTFKRjAwX0xyeFFfWHJXSEVyUjdnOERlX3JwRGo4SGRuQk4xalcwQkIwR09ITEsxd2RhTldCQmZHUklPSDVVM1ZfRWtTQi1KaUZDakxHWkMycU8xV01QN2ZxT2k2S1BueTQ?oc=5) · PressReader
- 2026-07-01 [Newtown Savings wins approval for Bridgeport branch - Hartford Business Journal](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNelF3WXNZbjdsNlp0QjhuaGNEeS1xbkM3X3U1alh4VkliSFFocklYcXh4M0wxZDd5TWx1TmttX0FVOVRRMzJzSmtURXJnVDFFQ1EwUFpoMWR1VmxFUDk5bzViT0hwcWxTVVJvbHgwUGtBdlRZVGdfclUwbWw3QzJZYmlrWmF2cVUwbDd3aXllX1pMckx5aTNNVmI4SkRNR1kyQXZWbEU1Z3M?oc=5) · Hartford Business Journal
- 2026-06-15 [Newtown Savings plans branch in $200M Bridgeport apartment building it helped finance - Hartford Business Journal](https://news.google.com/rss/articles/CBMivwFBVV95cUxOcTdNNHREakRIb1Voa21QTzBEVWljMFFfbjdoMGJFbGRkeFF0U0ZQZXgzaEx6bXBEZjE0TXdNYl9UZ2kxdnRqZjhGZm05bWd1bjJoaUYtaW5QdlgzMzZ4eW1RT05uTVBYVXVmeXhITDRzLUZvSXQtNk5QVGxWSVBnVHVCUGxfTTY2bTh5dEE5SUVoYTEta0J1NDBRLXkzdWgtQnFiQzVXX3lJNEFNbFBmd0N5T2pIeHdEc0tldW9VQQ?oc=5) · Hartford Business Journal
- 2026-04-13 [Georgia man arrested in Connecticut check fraud case - wfsb.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPLXlNV3J6bEVydm9fY1NkQTV2QmdfVF9oakI5Z0NzZzZySUI3NVJiVmRoaUpxYkwzbFVRUnJGbHBBTmVPM0lmMXZkYmF6ZUVrbWtPWDd4a0Rpa3lXaUozV3dwNnBFV2hPRGQzU1FVYWMwTldYWFdtV25FNEZ0WnIyRFdSeFZaWU5yLWfSAZ4BQVVfeXFMT3FWUWRQMG0wOG01TnZXRmpSVVFFTFIzU01hNWRzbjBFa29BMVFLNDhrTFJxeVg3U2Zwa0h5MUlCMFFRMEVsbW5kLUp0azRyRUVJWnF2c0pwWUxzLUI2N25vMkgtckgzQ0hjWGlyelozN1pTbkZhSWJ0Q0NUdG9iU0xtSGp2WWxOb1hROVhocTA1aXB2QjE2aTRCbjRkWGc?oc=5) · wfsb.com
- 2026-04-20 [Buying a Connecticut home? Another CT bank has up to $40,000 to help - ctinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPYVB1VWM5VWJRZHVrelFnVGx2VkltSnFUcGVZc01wSnpMUkUtOE1ES21feEhJZG8zWG10dTBkY1dLUlNSaFNWTFlmR1dWR3FEVWFxaVVGMHg5OWs1R3NJN3hLT1pHeWJhM0p0VW5KSEw3dnkyb2Y4R2kyUlM4ZUpSMzFYQkN2T3RyRjg3b2VLaHdBU1BPWVc2cEFhX3ZZUkZZd3c?oc=5) · ctinsider.com
- 2026-01-20 [Newtown Savings Bank Announces Officer Promotions - newtownbee.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNQUQwbnJPQkU0LV9GNnVha0VfaWs5V1d0R2l1djZjYks4MWdOWnEtWkhySzJ4RHowRzJ5SmtWZkpaUHBPTGJzY1ZjZTVNRVlOeng5dFBkLTVuZEpvelhfRjh5UzM4TEMxZng5Q3Y5VVNrQ21VMHJNS05HZmVYWkFzSXZ2eUJaTDhzbm1ZcHRfQXFEZw?oc=5) · newtownbee.com
- 2026-08-11 [Ecuadoran man accused of bank theft for depositing counterfeit U.S. Treasury checks into account - Hartford Courant](https://news.google.com/rss/articles/CBMiywFBVV95cUxPWTluVWhjS2gxRHlMSjYyLVo2eTcwTmFXTWRiendzUl9zaXVrWTZncHBQSFlGbVRxY2lObWVaNkdQcjFoZmhhUV9oc0VzNUZ1ZHFUM3lKcDhJMXFZOXhMZGg1S3ZJSWNxb1R2OTJTNXc2eFNLUVpwbDBsamNKa1BYTmZoWWpOS2VELUFPYzhrczcyRnhCb3lIOFBIQ0dKSTM5LTBudU9qbUl4SXZDNU9LaTBGR2Yxd0ZxNUNqbXpqSUdMSldEMnkweWZvdw?oc=5) · Hartford Courant

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18199 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "18199", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide