BlastPoint's Banking Scorecard
New Century Bank
Designations: ✓ Community bank
Belleville, KS
2 branches across KS
New Century Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.46% above tier average
- + ROA 1.13% above tier average
- + Efficiency Ratio 28.71% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 41.81% above tier average
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
|
+$24.5M |
$62.3M
-0.5% YoY
|
$511.5M
+7.3% YoY
|
$6.2B
+9.0% YoY
|
82% |
| Total Loans ? |
$77.9M
+22.4% YoY
+0.9% QoQ
|
+$43.6M |
$34.3M
-1.5% YoY
|
$340.0M
+8.8% YoY
|
$3.2B
+10.7% YoY
|
Top 1.7% in tier |
| Total Deposits ? |
$73.5M
+23.5% YoY
+6.1% QoQ
|
+$21.7M |
$51.8M
-0.6% YoY
|
$426.3M
+7.3% YoY
|
$4.8B
+8.0% YoY
|
79% |
| Return on Assets ? |
1.99%
-0.8% YoY
-22.4% QoQ
|
+1.13% |
0.86%
-3.6% YoY
|
1.43%
+17.3% YoY
|
1.24%
+13.1% YoY
|
Top 10.1% in tier |
| Net Interest Margin ? |
6.33%
-6.4% YoY
-7.7% QoQ
|
+2.46% |
3.87%
+2.7% YoY
|
3.93%
+4.6% YoY
|
3.89%
+5.7% YoY
|
Top 0.9% in tier |
| Efficiency Ratio ? |
58.92%
-8.7% YoY
+1.6% QoQ
|
-28.71% |
87.63%
+2.3% YoY
|
61.28%
-4.6% YoY
|
66.84%
-3.8% YoY
|
76% |
| Delinquency Rate ? |
1.37%
+57.8% YoY
+49.8% QoQ
|
+0.00% |
1.36%
+33.7% YoY
|
0.75%
+8.4% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
105.92%
-0.9% YoY
-4.9% QoQ
|
+41.81% |
64.11%
-0.9% YoY
|
71.71%
+1.1% YoY
|
76.69%
+0.9% YoY
|
Bottom 4.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.59%
-0.2% YoY
+11.4% QoQ
|
-12.20% |
23.79%
+0.5% YoY
|
22.79%
-1.9% YoY
|
22.01%
-1.1% YoY
|
17% |
| Nonperforming Asset Ratio ? |
1.23%
+61.7% YoY
+48.2% QoQ
|
+0.45% |
0.77%
+28.7% YoY
|
0.49%
+9.8% YoY
|
0.66%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
14.75%
-24.3% YoY
-22.0% QoQ
|
-12.02% |
26.77%
+2.0% YoY
|
18.00%
-0.6% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.16%
-5.1% YoY
-79.7% QoQ
|
-0.51% |
0.67%
+1.6% YoY
|
0.28%
-2.0% YoY
|
0.32%
+4.0% YoY
|
Top 14.3% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.