Total Assets
$85M
Total balance-sheet footings
FDIC Cert #8108 · Belleville, Kansas · Est. 1905
New Century Bank - FDIC Bank Health Profile
A community-scale look at New Century Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $85M
- Total assets
- A
- Health grade · Excellent
- 2.56%
- Return on assets
- 18.9%
- Tier 1 capital
Data updated July 2026
The verdict
New Century Bank earns a PlainBankData health grade of A (93/100), with well-capitalized at 18.92% Tier 1, profitable at 2.56% ROA, efficient (58% cost ratio).
- #3,865
- largest of 4,313 FDIC banks by assets
- 10th
- percentile by asset size, nationally
- 18.92%
- Tier 1 ratio - above the 10% well-capitalized line
- 97th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How New Century Bank's 93/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
New Century Bank's composite health score
Tier 1 Capital Ratio (18.92%) 40/40
Return on Assets (ROA) (2.56%) 25/25
Texas Ratio (6.10%) 16/20
Efficiency Ratio (58.01%) 12/15
93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$69M
Customer-funded liabilities
Net Loans
$77M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where New Century Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. New Century Bank's score of 93/100 falls in the highlighted band.
New Century Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). New Century Bank's $85M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.92% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.92%
Texas Ratio
6.10%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
97th percentile nationally
2.56%
Return on Equity (ROE)
19.52%
Efficiency Ratio
58.01%
What the numbers say about New Century Bank
New Century Bank is an FDIC-insured institution (Certificate #8108) headquartered in Belleville, Kansas, established in 1905. It holds $85M in total assets - 3,865th of 4,313 FDIC-insured banks, $69M in customer deposits, and $77M in net loans. Looking at capital strength, Tier 1 stands at 18.92%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 6.10%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (93/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, New Century Bank ranks 149th of 188 banks based in Kansas -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$7M
Interest Income
$656K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. New Century Bank reports a Texas Ratio of 6.10% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.10% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) New Century Bank (FDIC Cert #8108) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is New Century Bank's health grade?▼
New Century Bank receives a health grade of A (93/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is New Century Bank?▼
New Century Bank holds $85M in total assets and $69M in deposits, ranking 3,865th of 4,313 FDIC-insured banks by asset size. It is headquartered in Belleville, Kansas.
Is my money safe at New Century Bank?▼
Yes, deposits at New Century Bank (Certificate #8108) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is New Century Bank's Tier 1 Capital Ratio?▼
New Century Bank has a Tier 1 Capital Ratio of 18.92%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for New Century Bank?▼
New Century Bank has a Texas Ratio of 6.10%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is New Century Bank?▼
New Century Bank has an Efficiency Ratio of 58.01%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read New Century Bank's profile as a depositor or analyst.
- New Century Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare New Century Bank against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.