🏦Bank Scorer

BANKNEWPORT

MIDDLETOWN, RI · Supervised by FDIC

Est. 1819FDIC #18,129RSSD: FDIC-18129
Part ofOCEANPOINT FINL PARTNERS MHC→ View all charters
Satisfactory Same

Current rating · Exam: May 2013

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.53%

Institution Profile

FDIC BankFind

Address

184 John Clarke Rd, MIDDLETOWN, RI

County

Newport County

Established

January 1, 1819

Total Assets

$3.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2013

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.1B

Total Deposits

$2.5B

Net Loans

$2.5B

Net Income

$4M

ROA

0.53%

ROE

5.27%

Risk-Based Capital

13.59%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate14.90%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

19

Branch Deposits

$2.3B

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202499369.59%14.90%
20231,10068.91%18.55%
20221,41070.5%13.76%
20211,16375.67%10.75%
20201,48072.43%11.42%
201996369.68%11.63%
201879175.09%13.40%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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