New Century Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 257.1% higher than in Q1 2026, at $5.5M. On loan-to-deposit ratio, New Century Bank ranks 8th highest among the 182 banks headquartered in Kansas, at 109.71% (Q2 2026). Against a median of 67.92% for banks in the < $100M asset tier, New Century Bank reported 109.71% on loan-to-deposit ratio in Q2 2026, 41.79 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $9.4M |
| Fed funds sold and reverse repos | $6.4M |
| Fed funds sold and reverse repos to assets | 7.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.23% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.71% |
| Net loans and leases to deposits | 108.22% |
| Loans and leases to core deposits | 126.11% |
| Core deposits to total deposits | 84.89% |
| Brokered deposits to total deposits | 2.10% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 108.87% | 86.25% | $0 | $1.5M |
| Q4 2023 | 105.94% | 83.04% | $0 | $1.5M |
| Q1 2024 | 92.32% | 80.73% | $0 | $1.5M |
| Q2 2024 | 98.94% | 80.56% | $0 | $1.5M |
| Q3 2024 | 111.51% | 81.87% | $0 | $3.4M |
| Q4 2024 | 104.68% | 76.09% | $0 | $1.4M |
| Q1 2025 | 108.35% | 77.25% | $0 | $2.9M |
| Q2 2025 | 108.85% | 75.31% | $0 | $1.9M |
| Q3 2025 | 105.20% | 76.10% | $0 | $1.4M |
| Q4 2025 | 112.45% | 81.23% | $0 | $4.6M |
| Q1 2026 | 107.19% | 82.45% | $0 | $1.6M |
| Q2 2026 | 109.71% | 84.89% | $0 | $5.5M |
New Century Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock New Century Bank, freeSource: Call Report Schedules RC and RC-M, 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)