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New Century Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q2QoQ -9

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

Quarterly Headline

2025-Q2

Bank #392152 2025-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.4% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↓ -9 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -26

The five pillars

Liquidity

StableQoQ -3
64
Sub-score

Liquidity is stable: brokered 4.0%, loans/deposits 107.4%, cash 3.4% of assets.

Cash / Assets
3.40%
Loans / Deposits
107.42%
Brokered %
3.96%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.4% (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 17.77%, CET1 17.77%, leverage 13.09%.

Tier 1 RBC
17.77%
CET1
17.77%
Leverage
13.09%
No watch items at this period.

Asset Quality

StableQoQ -16
77
Sub-score

Asset quality is stable: Adjusted NPL 1.63%, Texas Ratio 10.5%, NCO YTD 0.00%.

Adjusted NPL
1.63%
Govt-guarantees stripped
Texas Ratio
10.5%
NCO YTD
0.00%
30-89 PD
2.13%
Band 0.3% / 3.0%
90+ PD
0.28%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -26
59
Sub-score

Reserves are deteriorating: ALLL 1.31% of loans, coverage 81.6%, true coverage 81.6%.

ALLL / Loans
1.31%
Coverage
81.6%
True Loss Coverage
81.6%
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