New Century Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks New Century Bank of Belleville, KS against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 2.44% | 3.13% | -0.69% | 89th top |
| ROAE | 18.69% | 10.28% | +8.41% | 89th top |
| Net Interest Margin | 6.73% | 3.93% | +2.80% | 99th top |
| Efficiency Ratio | 58.85% | 76.36% | -17.51% | 71st above |
| PPNR / Avg Assets | 2.94% | 1.40% | +1.54% | 93rd top |
| Yield on Earning Assets | 9.57% | 5.34% | +4.23% | 100th top |
| Cost of Funds | 3.35% | 1.69% | +1.66% | 5th bottom |
| Net Interest Spread | 6.11% | 3.32% | +2.79% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.87% | 1.34% | -0.47% | 34th below |
| NPA / Total Assets | 0.77% | 0.71% | +0.06% | 24th bottom |
| NCO / Avg Loans | -0.31% | 0.10% | -0.41% | 96th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.36% | 1.49% | -0.13% | 61st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 156.29% | 867.76% | -711.47% | 51st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.47% | 8.27% | -2.80% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.89% | 62.42% | -47.53% | 21st bottom |
| Tier 1 Ratio | 14.89% | 62.42% | -47.53% | 21st bottom |
| Total Capital Ratio | 16.14% | 63.39% | -47.25% | 23rd bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.16% | 17.65% | -4.49% | 50th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.85% | 16.46% | -3.61% | 52nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.85% | 16.20% | -3.35% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.71% | 72.74% | +36.97% | 4th bottom |
| Core Deposit Ratio | 84.89% | 88.28% | -3.39% | 22nd bottom |
| Wholesale Funding Ratio | 6.23% | 5.17% | +1.06% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.10% | 4.23% | +11.87% | 94th top |
| Loan Growth (Y/Y) | 11.86% | 6.74% | +5.12% | 81st top |
| Deposit Growth (Y/Y) | 10.98% | 3.70% | +7.28% | 87th top |
See New Century Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock New Century Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full New Century Bank profile, how to read a UBPR, or how this data updates.