New Century Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Retained earnings edged up by 2.3%, from $10.0M to $10.2M, the largest move among the key lines here. Within Kansas, New Century Bank is 42nd of 85 on CET1 ratio, 14.89% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 19.50% on CET1 ratio. New Century Bank sits 4.61 points lower, at 14.89% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.89% |
| Tier 1 risk-based capital ratio | 14.89% |
| Total risk-based capital ratio | 16.14% |
| Tier 1 leverage ratio | 13.16% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $11.4M |
| Tier 1 capital | $11.4M |
| Total risk-based capital | $12.4M |
| Total equity capital | $11.4M |
| Risk-weighted assets | $76.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.85% |
| Tangible equity to tangible assets | 12.85% |
| Equity capital to average assets | 13.16% |
| Internal capital growth rate | 8.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $1.1M |
| Retained earnings | $10.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 23.36% | 23.36% | 24.62% | 16.96% | $37.7M |
| Q4 2023 | 22.81% | 22.81% | 24.07% | 16.73% | $38.5M |
| Q1 2024 | 23.55% | 23.55% | 24.82% | 15.95% | $38.8M |
| Q2 2024 | 22.45% | 22.45% | 23.71% | 15.35% | $40.1M |
| Q3 2024 | 21.57% | 21.57% | 22.83% | 15.41% | $42.3M |
| Q4 2024 | 19.87% | 19.87% | 21.12% | 14.15% | $47.6M |
| Q1 2025 | 19.48% | 19.48% | 20.74% | 14.16% | $50.4M |
| Q2 2025 | 17.77% | 17.77% | 19.03% | 13.09% | $55.1M |
| Q3 2025 | 18.07% | 18.07% | 19.33% | 13.28% | $57.8M |
| Q4 2025 | 18.92% | 18.92% | 20.17% | 13.04% | $57.0M |
| Q1 2026 | 14.75% | 14.75% | 16.00% | 13.13% | $76.0M |
| Q2 2026 | 14.89% | 14.89% | 16.14% | 13.16% | $76.8M |
New Century Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock New Century Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full New Century Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8108) · FFIEC NIC profile (RSSD 392152)