# NEWPORT FEDERAL BANK
NEWPORT, TN · FDIC certificate 29089 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $276.8M | |
| Deposits | $250.5M | |
| Loans and leases | $132.1M | |
| Total equity | $23.2M | |
| Loans / deposits | 52.07% (p21 of band) | 73.59% |
| Liquid assets / assets | 48.82% (p77 of band) | |
| Uninsured deposits / deposits | 27.65% (p76 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.42% (p31 of band) | 11.76% |
| Unrealized securities loss / equity | -33.62% (p12 of band) | -6.57% |
| AOCI / equity | -1.56% (p17 of band) | |
| ROA (annualized) | 0.83% (p32 of band) | 1.17% |
| Net interest margin | 2.80% (p8 of band) | 3.93% |
| Efficiency ratio | 64.27% (p46 of band) | |
| Noncurrent loans | 0.69% (p62 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 177.98% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 46.36% (p77 of band) | |
| Auto loans | $1.7M (1.30% of loans; DQ 0.58%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | charge-offs p90 |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 1 | capital falling | charge-offs p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, NIM <2.5% |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | NIM <2.5% |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | NIM <2.5% |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | NIM <2.5% |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2025-09-26 [Greene Law remodeling old Newport Federal Bank building - The Newport Plain Talk](https://news.google.com/rss/articles/CBMikAFBVV95cUxQeEhhTTZEdDlYZXowWFdFTnotTDRjNUpjeTgtS3RFZE8xcHRKVUc5TDZfMmF2NHZpMzlMWnhmNklmclBLUGdRenlaV0Y5RXJCcE1rY1Y1aWZ0bkE2WVczZEZHd3g5YmtXR2NaX3NzOGdzc2xGN1RTU3JrSDRzU3RwZ1JNUFROSnRuNU8zbGdQQms?oc=5) · The Newport Plain Talk
- 2024-04-01 [NPD: Suspect in custody after robbing a Newport bank - WBIR](https://news.google.com/rss/articles/CBMiogFBVV95cUxNSm1veW9CR0c2Z0xsUWJyaGVfR211bS1CcnQ0NTE3c2xSRFA0NGdvSWd3eUhQS1U4YlpZbl9sUENRTlNMVlFIQ1R0YnU1dW5PTGRHMnQwNDYtM2dGUzdzV2RUcDMxUEVCazZoVnNFUWRFeS1uNTFqV2JhYngzMWkzVXVXdy1OenZTXzVxS3Y5X21QTnN3cW5UdGRKcnhmeUdCVkE?oc=5) · WBIR
- 2024-04-01 [East TN bank robbery suspect arrested in Los Angeles - WATE 6 On Your Side](https://news.google.com/rss/articles/CBMilgFBVV95cUxOTXNfcUV3TUdOVGNmdDFJZXRfYWM3ZnhQUWlFTVdadVB4X1FYeG1UZnhVdkNyODc5emo3eXRHM2FZaTVqNXJlMXJNOVgwUmNJX2tDN3BucW5IVUN2X0w4WWVXaktKRVNIRjY1M2c1TmtTcUhTSXM4aW5KUS01bmV1NksxV2wwTXFOUHNhaE15QmJMVmNPVlHSAZsBQVVfeXFMUGV3N01YT1FxWm1xWEl0em8wS2wtd2F2dUwydjkwZnVuZXc0NHEtd3ptMnBHMVN3Mkc5d09tTEN3V1dlbVl2MS1zZ0Nuemc0Sk5zWjNKZ2hmZkZFdTNkQU9qU1N5UVJQa01OZUswb2ZjbEF0RDBSQjVXNWJYZWJHWHJlb01WM2FkMVNCZmt5Z09DaF9wN3B0elhldTA?oc=5) · WATE 6 On Your Side
- 2026-05-27 [WLIK Radio and Arthur Wilkerson honored by the Tennessee Radio Hall of Fame - The Newport Plain Talk](https://news.google.com/rss/articles/CBMiigFBVV95cUxPNVhibXZJenFqRnpqNXZfelVVdTVFbmtfeHJHOW16cHBHTEV6WnlYZTIyYVJYb191aklCTzd5TngyeUt4VlZlY3hGOHVwSWxWcVpBU1BwRzdPQXNNRDJjZlU4bko5TnpoT2p3OUo1RmhZRk1EN3BucUQwR1NNcVlyblhoczlPdjcwckE?oc=5) · The Newport Plain Talk
- 2017-12-28 [Dr. William Burton Henry - View Obituary & Service Information - Manes Funeral Home, Inc.](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5RnN4MnZ1eE5GOHRBeGtfUVJvZXIxWGd2d3d4Ql9nVk5RN3lIRXpES09ueEhnUlhqTDZZYXJOOG5NR2NMOGRGbVh1bmJuSmZ2REJRSkhrS2VlSTRMUzVQMUN3SkN0dHVBeFNUS1NYcF8?oc=5) · Manes Funeral Home, Inc.
- 2025-02-24 [Ernestine Lowe Ball Obituary - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBqZGo1ejFYeVJGbWJONDFoTEgwWTZuVHNYWUhBcHQ1MFlnTkNRY05kSDBINXNSc0JYUXdlMm9nTHk3N0M5aGttZS1NRkRYVlo5aVpzZXZYZ0VlbFk?oc=5) · Knoxville News Sentinel
- 2024-03-22 [FBI: Suspect at large after Newport bank robbery - WBIR](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNVU1KekRUZGpKU0FJMzRyZV9tdzE4aXZ3OFNJVUdFQnJ4bGFBbGFiVXZVbEd3RzJQYzVDR3BxN2QyMXZOTkp5RzdrYWxfMjFrU2FIUkJUUkM3ZmlvYS1CQTFZZXJscFNXRW9HdEdDTFljZVE0d1dnX2dqbndpT21yb0hYYjNGcjR6V0tPLVAwQW9NckptdlNFaFVzbnRoZVJQckFHUWVHT1VWUmpFRV9uaUl4SlhMR3RZ?oc=5) · WBIR
- 2025-08-30 [Kickliter joins Newport Federal Bank's Board of Directors - The Newport Plain Talk](https://news.google.com/rss/articles/CBMiowFBVV95cUxOa1c1LTNzZkhPRUhHTmtrSi0ybFJOYnhDOGE5Y2d4UVhrcnlzSzQ2cUpRazZPQ2JuVHRXb2NMR0tkeE1ZWEJ5R05hajFHNUNNcUNBWnlMb0Q1X0pfZXNoS2FFTzJaT0V6TW80aGtuMU1nTWduOXRWLUYtQks3LWszb0hsbmtQSHNUUzVOdFZTVktEM1lCZWhsR0xoTENQRjRVRUlr?oc=5) · The Newport Plain Talk

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29089 (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/33.json (key "29089", 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