| Metric | New Century Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.1% | +3.0% | +13.1 pts |
| Deposit growth (YoY) | +11.0% | +2.5% | +8.5 pts |
| Loan growth (YoY) | +11.8% | +2.6% | +9.2 pts |
| ROA | 2.20% | 0.99% | +1.2 pts |
| ROE | 17.2% | 8.1% | +9.1 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $88.9M | $71.6M | $77.4M | $11.4M | $956K | 2.20% | 6.54% | 0.77% |
| Q1 2026 | $86.8M | $73.5M | $77.9M | $11.2M | $427K | 1.99% | 6.33% | 1.23% |
| Q4 2025 | $85.1M | $69.3M | $77.2M | $10.8M | $2.0M | 2.56% | 6.86% | 0.83% |
| Q3 2025 | $81.0M | $68.7M | $71.4M | $10.4M | $1.5M | 2.65% | 7.03% | 0.95% |
| Q2 2025 | $76.6M | $64.5M | $69.3M | $9.8M | $832K | 2.29% | 6.92% | 1.47% |
| Q1 2025 | $72.7M | $59.5M | $63.7M | $9.8M | $353K | 2.00% | 6.77% | 0.76% |
| Q4 2024 | $68.3M | $57.1M | $59.0M | $9.5M | $1.8M | 2.97% | 7.62% | 0.53% |
| Q3 2024 | $62.7M | $49.8M | $54.7M | $9.1M | $1.3M | 3.07% | 7.80% | 0.57% |
Loan mix (Q2 2026): real estate $74.3M · commercial $1.1M · consumer $2.0M · securities $0
| Ratio | New Century Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.20% | 0.99% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 17.2% | 8.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 70.8% | 26th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | New Century Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | New Century Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | New Century Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | New Century Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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