BlastPoint's Banking Scorecard
New Century Bank
Designations: ✓ Community bank
Belleville, KS
2 branches across KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +11.0% year over year ($71.6M on the books).
- Delinquency rate 0.88%.
- Return on assets 2.20%.
- Efficiency ratio 58.88% vs a 119.40% peer average.
- Loan-to-deposit ratio 108.22% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
New Century Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.20% above tier average
- + Net Interest Margin 2.63% above tier average
- + Efficiency Ratio 60.51% below tier average
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.01% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$88.9M
+16.1% YoY
+2.5% QoQ
|
+$26.5M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
85% |
| Total Loans ? |
$77.4M
+11.8% YoY
-0.6% QoQ
|
+$42.5M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Top 2.2% in tier |
| Total Deposits ? |
$71.6M
+11.0% YoY
-2.7% QoQ
|
+$19.9M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
77% |
| Return on Assets ? |
2.20%
-4.2% YoY
+10.7% QoQ
|
+1.20% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
Top 8.2% in tier |
| Net Interest Margin ? |
6.54%
-5.5% YoY
+3.4% QoQ
|
+2.63% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
Top 0.7% in tier |
| Efficiency Ratio ? |
58.88%
-4.0% YoY
-0.1% QoQ
|
-60.51% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
0.88%
-45.8% YoY
-35.3% QoQ
|
-0.60% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
108.22%
+0.7% YoY
+2.2% QoQ
|
+34.01% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Bottom 4.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.54%
+2.7% YoY
-17.6% QoQ
|
-13.95% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 14.4% in tier |
| Nonperforming Asset Ratio ? |
0.77%
-47.8% YoY
-37.3% QoQ
|
-0.07% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
14.89%
-16.2% YoY
+0.9% QoQ
|
-12.23% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.32%
-11.1% YoY
+105.2% QoQ
|
-1.06% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Top 14.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
9.5%
+0.3pp YoY -2.0pp QoQ |
-15.1pp | 24.6% | 22.3% | 22.2% | 10% |
| Brokered Deposits |
2.1%
-1.9pp YoY -1.4pp QoQ |
-7.7pp | 9.8% | 8.7% | 8.5% | 22% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.4%
-0.6pp YoY -0.1pp QoQ |
-12.0pp | 13.4% | 12.6% | 12.5% | 4% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
37.5%
+4.9pp YoY +4.0pp QoQ |
+2.6pp | 35.0% | 26.7% | 31.3% | 58% |
| Consumer |
2.5%
-0.4pp YoY 0.0pp QoQ |
-5.1pp | 7.7% | 4.6% | 5.0% | 26% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.9%
-2.9pp YoY +0.1pp QoQ |
-23.8pp | 38.7% | 23.3% | 19.7% | 21% |
| Leverage Ratio |
13.2%
+0.1pp YoY 0.0pp QoQ |
-4.5pp | 17.7% | 12.6% | 12.6% | 54% |
| Total Capital Ratio |
16.1%
-2.9pp YoY +0.1pp QoQ |
-23.5pp | 39.7% | 24.4% | 20.8% | 24% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
+1 (+5.3%) YoY 0 QoQ |
+8 | 12 | 70 | 482 | 88% |
| Assets per Employee ($) |
$4.4M
+10.3% YoY +2.5% QoQ |
-$1.7M | $6.2M | $7.1M | $8.8M | 28% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 6 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.9%
-0.5pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 0.8% | 1.0% | 54% |
| Allowance Coverage |
1.56x
+91.4% YoY +78.0% QoQ |
-4.85x | 6.41x | 22.44x | 20.23x | 54% |
| Net Charge-off Rate (YTD) | -0.2% | -0.3pp | 0.2% | 0.1% | 0.2% | 8% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.2%
0.0pp YoY +1.6pp QoQ |
+10.8pp | 6.4% | 14.3% | 11.6% | 90% |
| Cost of Funds (YTD) |
2.9%
-0.1pp YoY 0.0pp QoQ |
+1.4pp | 1.4% | 1.6% | 1.7% | 98% |
| Net Income ($, YTD) |
$956,000
+14.9% YoY — QoQ |
+$638K | $317,817 | $3.7M | $40.4M | 95% |
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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.