New Century Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 42.25 percentage points in Q2 2026, from 363.90% to 321.64%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, New Century Bank ranks 8th highest among the 182 banks headquartered in Kansas, at 109.71% (Q2 2026). New Century Bank's loan-to-deposit ratio of 109.71% is well above the 67.92% median for banks in the < $100M asset tier, a gap of 41.79 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $78.5M |
| Net loans and leases | $77.4M |
| Loans held for sale | $198K |
| Loans to total assets | 88.26% |
| Loan-to-deposit ratio | 109.71% |
| Net loans to equity capital | 6.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.27% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.40% |
| Consumer | 2.51% |
| Credit cards | 0.00% |
| Farm | 1.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 321.64% |
| Construction concentration (Tier 1 capital + allowance) | 289.53% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 10.03% |
| Interest income on loans | $1.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $44.4M | $40.8M | 4.64% | 2.01% | 3.97% |
| Q4 2023 | $44.5M | $42.0M | 3.89% | 2.77% | 3.85% |
| Q1 2024 | $44.4M | $48.0M | 4.01% | 2.77% | 3.82% |
| Q2 2024 | $46.6M | $47.1M | 7.04% | 3.18% | 4.04% |
| Q3 2024 | $55.5M | $49.8M | 7.23% | 2.29% | 3.40% |
| Q4 2024 | $59.8M | $57.1M | 7.80% | 2.19% | 3.19% |
| Q1 2025 | $64.5M | $59.5M | 8.09% | 1.97% | 2.82% |
| Q2 2025 | $70.2M | $64.5M | 9.25% | 1.95% | 2.92% |
| Q3 2025 | $72.3M | $68.7M | 9.49% | 1.82% | 2.70% |
| Q4 2025 | $78.0M | $69.3M | 8.98% | 1.62% | 2.59% |
| Q1 2026 | $78.8M | $73.5M | 8.73% | 1.48% | 2.55% |
| Q2 2026 | $78.5M | $71.6M | 10.27% | 1.40% | 2.51% |
New Century Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock New Century Bank, freeSource: Call Report Schedule RC-C, 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)