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New Century Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q2QoQ +2

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

Quarterly Headline

2024-Q2

Bank #392152 2024-Q2 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +8

The five pillars

Liquidity

StableQoQ -5
72
Sub-score

Liquidity is stable: brokered 3.2%, loans/deposits 97.3%, cash 4.4% of assets.

Cash / Assets
4.37%
Loans / Deposits
97.28%
Brokered %
3.20%
No watch items at this period.

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 22.45%, CET1 22.45%, leverage 15.35%.

Tier 1 RBC
22.45%
CET1
22.45%
Leverage
15.35%
No watch items at this period.

Asset Quality

StableQoQ +8
74
Sub-score

Asset quality is stable: Adjusted NPL 1.24%, Texas Ratio 5.8%, NCO YTD 0.01%.

Adjusted NPL
1.24%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
0.01%
30-89 PD
3.37%
Band 0.3% / 3.0%
90+ PD
0.46%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +8
86
Sub-score

Reserves are strong: ALLL 1.68% of loans, coverage 137.3%, true coverage 137.3%.

ALLL / Loans
1.68%
Coverage
137.3%
True Loss Coverage
137.3%
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