BlastPoint's Banking Scorecard

New Century Bank

under $100M Specialty: Commercial KS FDIC cert 8108

Designations: ✓ Community bank

Belleville, KS

2 branches across KS

541 banks in the under $100M peer group nationally 48 in KS

New Century Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Return on Assets 1.15% above tier average
+ Net Interest Margin 2.47% above tier average
+ Efficiency Ratio 29.42% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 41.70% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$86.8M +19.5% YoY +2.0% QoQ	+$24.6M	$62.2M -0.6% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$77.9M +22.4% YoY +0.9% QoQ	+$43.6M	$34.2M -1.4% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Top 1.7% in tier
Total Deposits ?	$73.5M +23.5% YoY +6.1% QoQ	+$21.8M	$51.7M -0.7% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	79%
Return on Assets ?	1.99% -0.8% YoY -22.4% QoQ	+1.15%	0.84% -2.3% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Top 10.0% in tier
Net Interest Margin ?	6.33% -6.4% YoY -7.7% QoQ	+2.47%	3.86% +2.8% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	Top 0.9% in tier
Efficiency Ratio ?	58.92% -8.7% YoY +1.6% QoQ	-29.42%	88.34% +0.3% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	76%
Delinquency Rate ?	1.37% +57.8% YoY +49.8% QoQ	-0.01%	1.37% +33.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	28%
Loan-to-Deposit Ratio ?	105.92% -0.9% YoY -4.9% QoQ	+41.70%	64.22% -0.7% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	Bottom 4.3% in tier
Non-Interest-Bearing Deposit Share ?	11.59% -0.2% YoY +11.4% QoQ	-12.13%	23.71% +0.3% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	17%
Nonperforming Asset Ratio ?	1.23% +61.7% YoY +48.2% QoQ	+0.44%	0.79% +28.2% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	20%
Tier 1 Capital Ratio ?	14.75% -24.3% YoY -22.0% QoQ	-11.93%	26.68% +2.0% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.16% -5.1% YoY -79.7% QoQ	-0.51%	0.67% +1.9% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Top 14.2% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (7 metrics)

Net Interest Margin

profitability

Value: 6.33%

Peer Median: 3.86%

#6 of 541 Top 0.9% in under $100M

Total Loans

size

Value: $77.88M

Peer Median: $34.25M

#10 of 541 Top 1.7% in under $100M

Return on Assets

profitability

Value: 1.99%

Peer Median: 0.84%

#55 of 541 Top 10.0% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.67%

#78 of 541 Top 14.2% in under $100M

100

Total Assets

size

Value: $86.80M

Peer Median: $62.16M

#100 of 541 Top 18.3% in under $100M

112

Total Deposits

size

Value: $73.53M

Peer Median: $51.74M

#112 of 541 Top 20.5% in under $100M

131

Efficiency Ratio

profitability

Value: 58.92%

Peer Median: 88.34%

#131 of 541 Top 24.0% in under $100M

Top Weaknesses (3 metrics)

519

Loan-to-Deposit Ratio

liquidity

Value: 105.92%

Peer Median: 64.22%

#519 of 541 Bottom 4.3% in under $100M

449

Non-Interest-Bearing Deposit Share

funding

Value: 11.59%

Peer Median: 23.71%

#449 of 541 Bottom 17.2% in under $100M

432

Nonperforming Asset Ratio

credit_quality

Value: 1.23%

Peer Median: 0.79%

#432 of 541 Bottom 20.3% in under $100M