New Century Bank
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Data as of · sourced from FFIEC call reports. How we update
New Century Bank is an FDIC-insured commercial bank headquartered in Belleville, KS, established in 1905 (FDIC certificate 8108), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $88.9M, up 16.1% from Q2 2025, the 142nd largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 14.89% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8108
- Headquarters
- Belleville, KS
- Established
- 1905
- Total assets, Q2 2026
- $88.9M
- Assets vs Q2 2025
- +16.1%
- CET1 ratio, Q2 2026
- 14.89%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101109538
- Latest call report
- Q2 2026, FFIEC 051 · New Century Bank call report
- Holding company
- REPUBLIC BANCORP, INC.
- Asset rank in state
- 142nd of 182 in Kansas
New Century Bank earns an unusually wide margin on its lending. The Belleville, Kansas bank had $89 million in assets at June 30, 2026, up 16.1% from a year earlier. It keeps 6.73 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). On the other hand, it pays an average of 3.35% on its deposits and borrowings, about double the median of 1.53% for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.87% of loans from 1.61%. Net income for the quarter rose 10% from a year earlier, to $529,000. Concentration is the risk to watch: it holds commercial real estate loans worth 3.2 times its capital, 12.3 times the median of 26% for banks its size.
As of June 30, 2026, New Century Bank reported a CET1 capital ratio of 14.89%, a return on assets of 2.44%, a nonperforming-loan ratio of 0.87% and a Texas ratio of 5.47%. The figures come from its call report filed with the FFIEC.
New Century Bank ranks as the 142nd largest of the 182 banks based in Kansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.5% to $88.9M, loans fell 0.4% and deposits fell 2.7%. Construction and land development loans made up 46.1% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 37.0%. Its 2 offices in the FDIC Summary of Deposits are in Belleville, KS and Manhattan, KS; its Belleville office books 74% of its branch deposits. By the capital ratios in its Q2 2026 call report, New Century Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1211 28th St, Belleville, KS 66935
- County
- Republic
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 5, 1905
- Former names
- New Century Bank, National Association (2005-2014); National Family Bank (2000-2005)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $71.6M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- -$60K
- Average total assets
- $86.9M
- Average total loans
- $76.4M
- Average interest-bearing deposits
- $62.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8108
- Fed RSSD
- 392152
- Website
- www.newcenturybankna.com →
- Parent Holding Company
- REPUBLIC BANCORP, INC. (RSSD 3333790)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
New Century Bank's total assets moved between a low of $51.5M (Q3 2023) and a high of $88.9M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$88.9M total assets against $76.6M; $77.5M total liabilities against $66.8M.
$77.4M net loans and leases against $69.3M; $71.6M total deposits against $64.5M.
$0 securities against $0; $9.4M cash and balances due against $5.3M.
$2.0M total interest income against $1.8M; $592K total interest expense against $527K.
$1.4M net interest income against $1.2M.
$150K total noninterest income against $157K; $914K total noninterest expense against $816K.
$75K provision for credit losses against $75K.
$529K net income against $479K.
2.44% return on assets against 2.56%; 6.73% net interest margin against 6.92%.
14.89% CET1 capital ratio against 17.77%; 13.16% tier 1 leverage ratio against 13.09%.
Inside the full New Century Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.00% (Q1 2026) to 3.49% (Q3 2024) and its net interest margin ran from 6.23% (Q1 2026) to 7.74% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.89% | 2.44% | 0.87% | 5.47% | 6.73% |
| Q1 2026 | 14.75% | 2.00% | 1.35% | 8.76% | 6.23% |
| Q4 2025 | 18.92% | 2.32% | 0.90% | 6.10% | 6.32% |
| Q3 2025 | 18.07% | 3.31% | 1.06% | 6.77% | 7.01% |
| Q2 2025 | 17.77% | 2.56% | 1.61% | 10.52% | 6.92% |
| Q1 2025 | 19.48% | 2.04% | 0.85% | 5.16% | 6.75% |
| Q4 2024 | 19.87% | 2.68% | 0.60% | 3.51% | 7.00% |
| Q3 2024 | 21.57% | 3.49% | 0.65% | 3.64% | 7.74% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| New Century Bank (main office) | Belleville , KS | 66935 | $52.9M |
| Manhattan Branch | Manhattan , KS | 66502 | $18.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 176 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 70 applications, 70 loans originated, $24.3M originated, across 22 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $301K approved, $301K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 6 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q2 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about New Century Bank
What are New Century Bank's total assets?
As of the Q2 2026 filing, New Century Bank reported total assets of $88.9 million in its FFIEC call report.
Where is New Century Bank headquartered?
It is headquartered in Belleville, KS, United States.
When was New Century Bank founded?
It was established in 1905, per the FDIC institution directory.
Is New Century Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8108). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates New Century Bank?
New Century Bank's primary federal regulator is the Federal Reserve.
What is New Century Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.89% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does New Century Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is New Century Bank's Texas Ratio?
Its Texas Ratio is 5.47% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was New Century Bank previously called?
The charter now named New Century Bank has also operated as New Century Bank, National Association (2005-2014), National Family Bank (2000-2005), per FDIC structure-change records.
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