Newton Federal Bank

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.newtonfederal.com

770-786-7088

3175 Highway 278
Covington, GA 30014

Newton Federal Bank is headquartered in COVINGTON and is the 16^th largest bank in the state of Georgia. It is also the 1,169^th largest bank in the nation. It was established in 1928 and as of December of 2024, it had grown to 90 employees at 3 locations. Newton Federal Bank has an A health rating.

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Health

Data as of Q4 2024

Capitalization grade does not factor in PPP loans and the use of the PPP Liquidity Facility.

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	29510
Year Established	1928
Employees	90
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.78%
Return on Equity - YTD	6.01%
Annual Interest Income	$48MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$866.9MM$843.1MM
Loans	Q4 2024vs Q4 2023	$705.8MM$651.1MM
Deposits	Q4 2024vs Q4 2023	$678.7MM$681.6MM
Equity Capital	Q4 2024vs Q4 2023	$117.2MM$108.3MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$8.5MM$8.9MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$4.8MM$7.4MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$2.9MM

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Newton Federal Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$0	$50k	Kasasa Saver
OTHER TIERS: 0.25% → $50k+

Newton Federal Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$0	$40k	Kasasa Cash Checking
OTHER TIERS: 0.25% → $40k+

Locations

Newton Federal Bank Locations
Affinity Bank Branch	400 Galleria Parkway Se, Suite 900	Atlanta, GA 30339

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