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This institution is no longer active

Operations ceased on April 23, 2010. CRA examination history below reflects the period it was active.

NEW CENTURY BANK

CHICAGO, IL · Supervised by FDIC

Est. 1999FDIC #34,821RSSD: FDIC-34821
Part ofNCB HOLDINGS INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -7.96%

Institution Profile

FDIC BankFind

Address

363 West Ontario Street, CHICAGO, IL

County

Cook County

Established

January 11, 1999

Total Assets

$447M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2009

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2010Call Report / FDIC

Total Assets

$447M

Total Deposits

$439M

Net Loans

$384M

Net Income

$-9,519K

ROA

-7.96%

ROE

-427.08%

Risk-Based Capital

2.34%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202346100%0.00%
20207121.13%0.00%
201949714.69%42.05%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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