BlastPoint's Banking Scorecard
New Century Bank
Micro
Specialty: Commercial
KS
FDIC cert 8108
Designations: ✓ Community bank
Belleville, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
New Century Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.48% above tier
- + Net Interest Margin 3.01% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 36.83% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.1M
+24.6% YoY
+5.1% QoQ
|
-$132.4M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$77.2M
+30.8% YoY
+8.1% QoQ
|
-$62.0M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$69.3M
+21.4% YoY
+0.9% QoQ
|
-$114.3M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
2.56%
-13.8% YoY
-3.4% QoQ
|
+1.48% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
6.86%
-10.0% YoY
-2.4% QoQ
|
+3.01% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
58.01%
-4.8% YoY
+0.5% QoQ
|
-9.71% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.91%
+49.5% YoY
-15.1% QoQ
|
+0.27% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
111.36%
+7.8% YoY
+7.2% QoQ
|
+36.83% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.40%
-9.3% YoY
+1.2% QoQ
|
-11.99% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.83%
+56.9% YoY
-12.6% QoQ
|
+0.37% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
18.92%
-4.8% YoY
+4.7% QoQ
|
+10.06% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.77%
+3.6% YoY
+22.9% QoQ
|
+0.21% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.56%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.86%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
111.36%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Net Interest Margin
Current: 6.86% · Tier avg: 3.85%
97
97th pctile
Return on Assets
Current: 2.56% · Tier avg: 1.08%
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.92% · Tier avg: 8.85%
72
72th pctile
Efficiency Ratio
Current: 58.01% · Tier avg: 67.73%
32
32th pctile
Total Loans
Current: $77.2M · Tier avg: $139.2M
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.45%
18
18th pctile
Total Assets
Current: $85.1M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $69.3M · Tier avg: $183.7M
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.40% · Tier avg: 22.39%
3
3th pctile
Loan-to-Deposit Ratio
Current: 111.36% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 111.36% · Tier avg: 74.53%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.40% · Tier avg: 22.39%
17
17th pctile
Total Deposits
Current: $69.3M · Tier avg: $183.7M
18
18th pctile
Total Assets
Current: $85.1M · Tier avg: $217.5M
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.45%
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
32
32th pctile
Total Loans
Current: $77.2M · Tier avg: $139.2M
72
72th pctile
Efficiency Ratio
Current: 58.01% · Tier avg: 67.73%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.92% · Tier avg: 8.85%
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%
97
97th pctile
Return on Assets
Current: 2.56% · Tier avg: 1.08%
100
100th pctile
Net Interest Margin
Current: 6.86% · Tier avg: 3.85%