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New Century Bank

IDRSSD: 392152
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2023-Q4QoQ -17

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #392152 2023-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Stable

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.1% (threshold 100%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.26%.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.08% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -17 ptscomposite
  • Liquidity
    ↓ -13
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -40
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -13
69
Sub-score

Liquidity is stable: brokered 3.6%, loans/deposits 104.1%, cash 4.8% of assets.

Cash / Assets
4.79%
Loans / Deposits
104.08%
Brokered %
3.59%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.81%, CET1 22.81%, leverage 16.73%.

Tier 1 RBC
22.81%
CET1
22.81%
Leverage
16.73%
No watch items at this period.

Asset Quality

WatchQoQ -40
60
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.08%, Texas Ratio 9.5%, NCO YTD 0.00%.

Adjusted NPL
2.08%
Govt-guarantees stripped
Texas Ratio
9.5%
NCO YTD
0.00%
30-89 PD
6.56%
Band 0.3% / 3.0%
90+ PD
1.26%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.08% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.26%.

Reserves

Stable
68
Sub-score

Reserves are stable: ALLL 1.76% of loans, coverage 85.8%, true coverage 85.8%.

ALLL / Loans
1.76%
Coverage
85.8%
True Loss Coverage
85.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 14:53:01 UTC