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New Century Bank

Belleville, KS · Cert 8108 · Republic Bcorp Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

64

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

50

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

New Century Bank

Belleville, KS · Cert 8108 · Republic Bcorp Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$88.9MAssets
$78.5MLoans
$71.6MDeposits
$11.4MEquity
Loan mix
96%RE $74.6M1%C&I $1.2M3%Consumer $2.0MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $64.7M10%Noninterest $6.8MQ2 2025Q2 2026

NIM

9.31%Q2 ’248.95%Q2 ’258.90%Q2 ’26-9%-1%

Non-interest income vs. expense

4.87%Q2 ’244.31%Q2 ’254.04%Q2 ’26-11%-5%

Market Position · Manhattan, KS · 2026 SOD (annual) · 0.4% share · #22 of 22 inst. · $0.0B of $4.5B

20.1% Republic
0.7% Riley

Executive Summary

  • Earnings: ROA of 1.76%, down 12 bps year over year; NIM at 6.19%.
  • Asset quality: problem loans at 0.87% of loans (-74 bps YoY), with net recoveries of 0.15%.
  • Capital: tier 1 leverage ratio of 13.16%, up 7 bps from a year ago.
  • Funding: loans stand at 109.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.76%-12 bps YoY

Net Interest Margin (YTD, annualized)

6.19%-9 bps YoY

Efficiency Ratio (YTD, annualized)

58.88%-248 bps YoY

Tier 1 Leverage Ratio

13.16%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.88%2.17%2.11%1.50%1.76%-12 bps
Return on Equity14.03%16.40%16.10%11.72%13.73%-30 bps
Net Interest Margin6.28%6.24%5.98%6.04%6.19%-9 bps
Efficiency Ratio61.36%57.72%58.01%58.92%58.88%-248 bps
Non-Interest Burden3.57%3.24%3.14%3.29%3.38%-19 bps
Growth
Asset Growth (YoY)32.25%29.12%24.61%19.46%16.10%-1,614 bps
Loan Growth (YoY)50.67%30.20%30.38%22.18%11.86%-3,880 bps
Deposit Growth (YoY)36.96%38.01%21.37%23.51%10.98%-2,597 bps
Asset Quality
Nonperforming Loans / Loans1.61%1.06%0.90%1.35%0.87%-74 bps
Net Charge-Offs / Loans0.00%0.21%0.40%0.00%-0.15%-15 bps
Allowance / Loans1.31%1.22%0.97%1.19%1.36%+5 bps
Allowance Coverage of NPLs0.8x1.2x1.1x0.9x1.6x+0.7x
Capital
Tier 1 Leverage Ratio13.09%13.28%13.04%13.13%13.16%+7 bps
Total Risk-Based Capital19.03%19.33%20.17%16.00%16.14%-288 bps
Equity / Assets12.79%12.90%12.67%12.91%12.85%+6 bps
Liquidity & Funding
Loans / Deposits108.85%105.20%112.45%107.19%109.71%+86 bps
Liquid Assets / Assets0.06%0.06%0.02%0.09%0.11%+5 bps
CRE / Total Capitaln/a407%420%420%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

New Century Bank

Belleville, KS · Cert 8108 · Peer group: banks under $1B in assets in KS (n=98) · Republic Bcorp Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$88.9MAssets
$78.5MLoans
$71.6MDeposits
$11.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: nonperforming loans / loans trails 71% of banks under $1B in assets in KS (rank 71 of 98).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.72%

Rank 13 of 98

Net Interest Margin

6.19%

Rank 1 of 98

Efficiency Ratio

58.88%

Rank 50 of 98

Equity / Assets

12.85%

Rank 31 of 98

Non-interest income vs. expense

$0.6M$3.5MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 50% of banks under $1B in assets in KS
Bank 58.88%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.72%1.03%1.24%1.54%Beats 87%13 / 98
Return on Equity13.38%8.85%11.58%14.73%Beats 67%32 / 98
Net Interest Margin6.19%3.24%3.62%3.91%Beats 99%1 / 98
Efficiency Ratio58.88%51.87%58.88%64.74%Beats 50%50 / 98
Asset Quality
Nonperforming Loans / Loans0.87%0.01%0.33%1.05%Beats 29%71 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio14.89%11.81%13.71%17.33%Beats 61%38 / 98
Total Risk-Based Capital Ratio16.14%11.81%14.13%17.45%Beats 63%36 / 98
Equity / Assets12.85%8.60%11.34%13.10%Beats 68%31 / 98
Liquidity & Funding
Loans / Deposits109.71%57.09%69.84%82.47%98th pctl2 / 98
Loans / Assets88.26%49.34%58.31%68.94%99th pctl1 / 98
Brokered Deposits / Depositsn/aNot reported for this institution