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Citizens State Bank of New Castle, Indiana

$100M-$1B Specialty: Commercial IN FDIC cert 13107

New Castle, IN

11 branches across IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
  • Deposits +6.7% year over year ($795.2M on the books).
  • Delinquency rate 0.41%.
  • Return on assets 1.06%.
  • Efficiency ratio 63.14% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.18% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

Citizens State Bank of New Castle, Indiana has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 1.34% below tier average
  • + Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 27.7% in tier
  • - ROA 0.27% below tier average
  • - Net Interest Margin 0.12% below tier average
Get updates when Citizens State Bank of New Castle, Indiana releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $908.8M
+6.7% YoY +1.5% QoQ
+$522.2M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
Top 3.4% in tier
Total Loans ? $582.0M
+14.4% YoY +2.8% QoQ
+$323.6M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
Top 6.7% in tier
Total Deposits ? $795.2M
+6.7% YoY +1.5% QoQ
+$468.4M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
Top 2.5% in tier
Return on Assets ? 1.06%
+9.6% YoY +10.7% QoQ
-0.27% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
37%
Net Interest Margin ? 3.86%
+10.3% YoY +2.0% QoQ
-0.12% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
46%
Efficiency Ratio ? 63.14%
-5.5% YoY -4.2% QoQ
-1.34% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 0.41%
+39.7% YoY +76.9% QoQ
-0.51% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 73.18%
+7.3% YoY +1.3% QoQ
-4.77% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
64%
Non-Interest-Bearing Deposit Share ? 18.61%
+0.1% YoY -4.0% QoQ
-3.42% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
39%
Nonperforming Asset Ratio ? 0.26%
+49.9% YoY +79.2% QoQ
-0.41% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 15.37%
-3.4% YoY +0.1% QoQ
-0.54% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.31%
+3.2% YoY +102.1% QoQ
-0.25% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
74%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Noninterest-Bearing 18.6%
0.0pp YoY
-0.8pp QoQ
 -3.5pp 22.1% 16.8% 22.2% 38%
Brokered Deposits 0.6%
-0.7pp YoY
-0.7pp QoQ
 -7.2pp 7.9% 7.2% 8.5% 13%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 14.8%
+1.0pp YoY
+0.6pp QoQ
 +3.3pp 11.6% 11.1% 12.5% 75%
CRE 39.3%
+2.4pp YoY
+0.2pp QoQ
 -0.3pp 39.5% 36.2% 41.4% 51%
1-4 Family 29.4%
-1.2pp YoY
-0.1pp QoQ
 -3.2pp 32.6% 40.0% 31.3% 50%
Consumer 10.6%
-2.1pp YoY
-0.7pp QoQ
 +6.5pp 4.1% 3.2% 5.0% 93%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 15.4%
-0.5pp YoY
0.0pp QoQ
 -3.5pp 18.8% 17.5% 19.7% 53%
Leverage Ratio 10.5%
0.0pp YoY
+0.1pp QoQ
 -1.7pp 12.2% 13.0% 12.6% 40%
Total Capital Ratio 16.6%
-0.5pp YoY
0.0pp QoQ
 -3.3pp 19.9% 18.7% 20.8% 54%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 136
+5 (+3.8%) YoY
+1 (+0.7%) QoQ
 +77 58 237 482 96%
Assets per Employee ($) $6.7M
+2.7% YoY
+0.7% QoQ
 -$836K $7.5M $7.5M $8.8M 46%
Branch Count 11
0 YoY
0 QoQ
 +6 4 17 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.2% 0.4% 59%
Nonaccrual 0.3%
0.0pp YoY
+0.1pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 34%
Allowance Coverage 3.35x
-26.7% YoY
-42.2% QoQ
 -20.80x 24.15x 6.71x 20.23x 61%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.1% 0.2% 79%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 10.4%
+0.8pp YoY
+1.0pp QoQ
 -1.8pp 12.2% 11.2% 11.6% 39%
Cost of Funds (YTD) 1.5%
0.0pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 39%
Net Income ($, YTD) $4.7M
+17.5% YoY
— QoQ
 +$2.2M $2.6M $16.3M $40.4M 86%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#349 of 1256 • Bottom 27.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.41%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

66
Total Deposits
size
Value: $795.18M
Peer Median: $326.73M
#66 of 2643 Top 2.5% in $100M-$1B
91
Total Assets
size
Value: $908.77M
Peer Median: $386.57M
#91 of 2643 Top 3.4% in $100M-$1B
179
Total Loans
size
Value: $581.95M
Peer Median: $258.35M
#179 of 2643 Top 6.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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