# NEW CENTURY BANK
BELLEVILLE, KS · FDIC certificate 8108 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $88.9M | |
| Deposits | $71.6M | |
| Loans and leases | $78.5M | |
| Total equity | $11.4M | |
| Loans / deposits | 108.22% (p96 of band) | 73.59% |
| Liquid assets / assets | 10.58% (p4 of band) | |
| Uninsured deposits / deposits | 10.97% (p17 of band) | 19.81% |
| Brokered deposits | 1.69% | |
| Wholesale funding | 7.93% (p81 of band) | |
| FHLB advances / assets | 6.23% | |
| Tier 1 leverage | 13.16% (p65 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 2.20% (p90 of band) | 1.17% |
| Net interest margin | 6.54% (p99 of band) | 3.93% |
| Efficiency ratio | 58.88% (p33 of band) | |
| Noncurrent loans | 0.87% (p67 of band) | 0.36% |
| Net charge-offs (annualized) | -0.14% (p1 of band) | |
| Reserve coverage of noncurrent | 156.29% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 316.60% (p100 of band) | |
| Auto loans | $1.2M (1.55% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.0% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **construction >100% equity** (`conc_construction`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 1 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 3 | loans exceed deposits, uninsured deposits leaving |  |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 1 |  | loans exceed deposits |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 2 | uninsured deposits leaving |  |
| 2015-03 | 1 |  | uninsured deposits leaving |
| 2015-06 | 5 | loans exceed deposits, liquid assets <10%, capital falling, uninsured deposits leaving |  |
| 2015-09 | 2 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2015-12 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2016-03 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2016-06 | 3 | loans exceed deposits, liquid assets <10% | uninsured deposits leaving |
| 2016-09 | 2 |  | loans exceed deposits |
| 2016-12 | 3 | loans exceed deposits |  |
| 2017-03 | 1 |  | liquid assets <10%, loans exceed deposits |
| 2017-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2017-09 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2017-12 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2018-03 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2018-12 | 2 |  | liquid assets <10% |
| 2019-03 | 3 | capital falling, charge-offs p90 | loans exceed deposits |
| 2019-06 | 3 |  |  |
| 2019-09 | 1 |  | capital falling, charge-offs p90 |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | loans exceed deposits, charge-offs p90 |  |
| 2020-06 | 2 |  | loans exceed deposits |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | charge-offs p90 |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 4 | loans exceed deposits, charge-offs p90, deposits shrinking |  |
| 2021-12 | 4 | assets shrinking | charge-offs p90 |
| 2022-03 | 1 |  | loans exceed deposits, deposits shrinking, assets shrinking |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking |  |
| 2023-06 | 5 | noncurrent p90, uninsured deposits leaving |  |
| 2023-09 | 5 | loans exceed deposits | noncurrent p90 |
| 2023-12 | 6 | noncurrent p90, reserve under noncurrent | assets shrinking |
| 2024-03 | 3 | capital falling | deposits shrinking, loans exceed deposits, noncurrent p90, reserve under noncurrent |
| 2024-06 | 2 |  | uninsured deposits leaving |
| 2024-09 | 3 | loans exceed deposits, liquid assets <10% | capital falling |
| 2024-12 | 2 |  | liquid assets <10% |
| 2025-03 | 3 | liquid assets <10% |  |
| 2025-06 | 4 | reserve under noncurrent |  |
| 2025-09 | 4 | charge-offs p90 | reserve under noncurrent |
| 2025-12 | 5 | uninsured deposits leaving |  |
| 2026-03 | 4 | reserve under noncurrent | charge-offs p90, uninsured deposits leaving |
| 2026-06 | 3 | uninsured deposits leaving | liquid assets <10%, reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-07-25 [Customers Bancorp CEO Jay Sidhu to step down, son Sam to take helm - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNMVZYQnNwYzZwY3AyMU5sMVNVWFpuYjJTdndRNnN0UFBJZmhRRnhuOV93R0F2RWdXWnNlWUFWSG5ad2ZDS2JpcGRzdTN3ZGpvdVltNEZXSFhyTmI1Yjk5MlpXNnJuYlNkZGx4Y0FBcDltMnhOZ3JCRUxNOG9BeUVGLVdDNER3bU1FejFzU1MwZE1pR0ZPMGdReVd1YmZUeVhrbmM1UGVmbGJsaGhESmc?oc=5) · The Business Journals
- 2025-08-21 [Customers CEO talks lessons learned from Fed enforcement action - Banking Dive](https://news.google.com/rss/articles/CBMitwFBVV95cUxQREVDbXFYTlUxMWVoaDd5VVZyZlFkWS1kLWFqOUszV3BVaXhfeXpRdW9LMEdYNjd1SXdTSzl5bjEwdUVxZllmelNIbXZxWGxqZXRSVGNaWmlFSlNCUmFVMDFqd0RVYmFseEsxQkUtRTZnaWZLTVNGTThSTlBYSnpncFV3UDhuTmpqR2gtWmdLVmVtU0VlQnBySXJFTGpXenFERi1DX1ZGZTlnOHNrQ1RmR2E5YlBnWEU?oc=5) · Banking Dive
- 2026-05-15 [Deeds of trust for May 15 - News-Press NOW](https://news.google.com/rss/articles/CBMixgFBVV95cUxNc0EtSkdzcGFPcmI5NzBnb1RHTkJOTS1MMnBibGRicFRvUzFGZTdkMFNLUDNFR1JmRWN2S0h2MmNMa0kxckpWVndfM2tEamZnelNNdW5lZmVVZ3N0akgxZzFWY3EwUHJwdFBXSUFNOUh5Z0lHNXVQR3FvUGxJcF96d0xyc05FMWN3eldFQUsxQlBkd0lpZlVIa2RiVXo4TEEwVEJ0S2dpUUJteWR4cWRseG9xVEx6M1ZxSEk4TkFOTFRzN2U4aHc?oc=5) · News-Press NOW
- 2023-09-27 [Westloop treat trail to provide Halloween experience in Manhattan - WIBW](https://news.google.com/rss/articles/CBMilwFBVV95cUxOeWNQS0NVMjE3SW5DTlhHZGhaLVdqNVpwanNTTk15NjBIWklyUF9CczJkRDZiakxTaUd4SW43WnlwQ2M5N0JocVgxQ1prckdheUI2dlYwb1F3aDZyejVGSFo3UWg5SWxDMWtfLWg0NGZ3YnJJMzRKekp2ck1za0UwaFdUM3luMklzNHQ1dFdpQUZXdDVuS0Z30gGrAUFVX3lxTFBZZGZ1UU90NUxzbHVwaFVzT0ZNRlZ1LXlOaHIwYkZGeS1Wd3ktbGhtbEt4SjZrenJSQ29uck92bFFVMWtLQXRkTE5objA1OGlqZktjOFV5d3JYZEZ2R2RJZ243SERzdjJWc2ZJUnlmNjloVWtpU3ZDYXZwQTRmN3h3YWFoUDNOTDhFd28zeWdZX2ZUbGIwYUt0T2haZnJ3RUJST3lhdWhwMWpxUQ?oc=5) · WIBW
- 2018-09-03 [Flood victims cope with aftermath, displacement - themercury.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPc1lkc1FadWt2c1JZUEpyTzRxaWNoNWYxVjMwZ3NucmJCX0h2UHA1eDE3dzA3cV9TRXBfMGZpOGhMdE1KSWhoeXVuZXFOeGloN2ZvVjR0VkpEUHM5d3lhNWkxOEZEVFZVMWZoeHFuZFk0ZDlMcmRnVHdOMEpzamVVbG5TVUt0M283dklIQS1nQkFTNGt1TnlvWDZhQzRLTHdVb05YMTdQNEhpYTI0VGpVZDRQRm1mSTdtNExIOTRMLWg0UQ?oc=5) · themercury.com
- 2017-09-13 [Kansas Court of Appeals to mark Constitution Day with session at Kansas State University - News Radio KMAN](https://news.google.com/rss/articles/CBMipwFBVV95cUxOQ2RHUHFKS00yelVlaTlGMjAwUDhVZjdKYWxOVUowdnBSSHJtZEd1ZnFDZWxSVDU3cktyMXBJanBtaEJiN2V5SEJqRXJKS3BMLWlfTklwcnFvQ3duc1NCd2Q3Y2thNlB1RkJmOEEzUGoxUEVVUGZSWnlOM2ZkVDM5azlyUUpQZWdOSWVEQnBBb0JfV1Y5b2IzR3RRdVZCcGs3M0tNenJINA?oc=5) · News Radio KMAN
- 2022-04-25 [Customers Bank relocating primary offices to larger space in Malvern as employees return - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQeVozR3lnQWVtOGtNTGdCSnRnLUp1ajI2TlVXamhQRm1TTkduQ2FFei1jTnFUZnRRODZOODNPYV9pc1NNODRoWTdRWE10MGdDeHdkT0VGcWREcXlkNU1xdEFjc2thM0hFUV9FcHFIN1NHSW5VQTBTTTNRRGY3LXVRSjlMMEJIZnNoTHlBdy1GSW5OT1dvVlhqSXIxNlhGLURCaC1mcTVVRnl5VE54b2ow?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8108 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "8108", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide