TellerScore

New Century Bank (FDIC certificate #8108) is based in Belleville, Kansas. Its Q2 2026 call report shows $88.9M in total assets and $71.6M in deposits and 2 offices.

New Century Bank has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 65th. Earnings contributes the most (100/100, 2.20%); funding & liquidity contributes the least (52/100, 108% loans-to-deposits, 11% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Tier 1 leverage ratio: 13.16%
Loan quality71/100
Noncurrent loans ÷ total loans: 0.87%
Earnings100/100
Return on assets (annualized): 2.20%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 108.2% · 11.0% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.47%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 8 points (71 → 79), mostly because the loan quality component improved by 25 points.

TellerScore
717986Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202486
Q4 202485
Q1 202582
Q2 202571
Q3 202578
Q4 202578
Q1 202674
Q2 202679
Tier 1 leverage ratio
5.00%10.21%15.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.35%
Q3 202415.41%
Q4 202414.15%
Q1 202514.16%
Q2 202513.09%
Q3 202513.28%
Q4 202513.04%
Q1 202613.13%
Q2 202613.16%
Noncurrent loans
0.60%1.10%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.22%
Q3 20240.65%
Q4 20240.60%
Q1 20250.85%
Q2 20251.61%
Q3 20251.06%
Q4 20250.90%
Q1 20261.35%
Q2 20260.87%
Return on assets
1.99%2.53%3.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.90%
Q3 20243.07%
Q4 20242.97%
Q1 20252.00%
Q2 20252.29%
Q3 20252.65%
Q4 20252.56%
Q1 20261.99%
Q2 20262.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$88.9M13.16%0.87%2.20%108.2%
Q1 202674$86.8M13.13%1.35%1.99%105.9%
Q4 202578$85.1M13.04%0.90%2.56%111.4%
Q3 202578$81.0M13.28%1.06%2.65%103.9%
Q2 202571$76.6M13.09%1.61%2.29%107.4%
Q1 202582$72.7M14.16%0.85%2.00%106.9%
Q4 202485$68.3M14.15%0.60%2.97%103.3%
Q3 202486$62.7M15.41%0.65%3.07%109.9%
Q2 202483$57.9M15.35%1.22%2.90%97.3%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.16%
54th
Total risk-based capital16.14%
65th
Problem loans0.87%
39th
Net charge-offs-0.15%
96th
Return on assets2.20%
92nd
Net interest margin6.54%
99th
Efficiency ratio58.9%
74th
Loans to deposits108.2%
5th
Uninsured deposits11.0%
70th
Loan-loss reserves1.36%
62nd
Texas ratio5.5%
31st

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of DightonBank Dighton, KS64 out of 100, Moderate$88.5M16.1%2.39%vs
FNB WashingtonBank Washington, KS92 out of 100, Very strong$87.8M25.9%0.18%vs
The Stock Exchange Bank, Caldwell, KansasBank Caldwell, KS60 out of 100, Moderate$90.3M9.0%1.03%vs
The Farmers State BankBank Holton, KS83 out of 100, Strong$86.3M12.7%0.45%vs
The Farmers State BankBank Wathena, KS72 out of 100, Strong$84.7M13.6%1.74%vs
The First State BankBank Ness City, KS92 out of 100, Very strong$84.3M15.3%0.00%vs

Deposit insurance

Is my money safe at New Century Bank?

Yes. New Century Bank is an FDIC-insured institution (FDIC certificate #8108). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.0% of deposits ($7.9M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.16%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.14% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

New Century Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, New Century Bank reported 70 home-loan applications under HMDA (LEI 549300W6UP8EY0KSBG85): 70 originated ($24,280,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
New Century Bank
Former names
National Family Bank; New Century Bank, National Association; The Munden State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
8108
RSSD ID
392152
Primary regulator
FED
Holding company
Republic Bcorp Inc
Established
May 5, 1905
Headquarters
1211 28th St, Belleville, KS 66935
Employees
20

Quick answers

New Century Bank: common questions

Is New Century Bank FDIC insured?

Yes. New Century Bank is an FDIC-insured institution (FDIC certificate #8108). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is New Century Bank's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has New Century Bank ever failed?

There is no failure record for FDIC certificate #8108 in the FDIC failed bank list.

How many branches does New Century Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Belleville

InstitutionScoreAssetsCapitalProblem loansCompare
Kaw Valley State Bank and Trust CompanyBank Wamego, KS85 out of 100, Very strong$295.8M11.7%0.08%vs
Swedish-American State BankBank Courtland, KS83 out of 100, Strong$55.5M13.8%0.93%vs
United Bank & TrustBank Marysville, KS79 out of 100, Strong$892.9M11.5%0.00%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs
Western National BankBank Chester, NE74 out of 100, Strong$257.4M9.1%0.02%vs
The Citizens National BankBank Greenleaf, KS72 out of 100, Strong$229.0M8.7%0.00%vs