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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

2664 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

Citizens State Bank of New Castle, Indiana has 1 strength but faces 4 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

  • + Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 18.3% in tier
  • - ROA 0.32% below tier average
  • - Net Interest Margin 0.14% below tier average
  • - Efficiency Ratio 0.64% above tier average
Get updates when Citizens State Bank of New Castle, Indiana releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $895.6M
+6.0% YoY +0.6% QoQ
+$509.5M $386.1M
+0.5% YoY
$2.5B
+12.1% YoY
$6.2B
+9.1% YoY
Top 3.9% in tier
Total Loans ? $566.2M
+15.1% YoY +2.1% QoQ
+$310.5M $255.7M
+1.1% YoY
$1.7B
+14.1% YoY
$3.2B
+10.8% YoY
Top 7.3% in tier
Total Deposits ? $783.6M
+4.4% YoY +1.1% QoQ
+$455.7M $328.0M
+0.1% YoY
$2.0B
+11.8% YoY
$4.8B
+8.2% YoY
Top 3.3% in tier
Return on Assets ? 0.95%
+1.4% YoY +2.3% QoQ
-0.32% 1.27%
+12.9% YoY
0.81%
-6.6% YoY
1.23%
+13.4% YoY
35%
Net Interest Margin ? 3.79%
+11.7% YoY +4.2% QoQ
-0.14% 3.93%
+6.0% YoY
3.60%
+8.5% YoY
3.89%
+5.7% YoY
46%
Efficiency Ratio ? 65.93%
-4.1% YoY -0.2% QoQ
+0.64% 65.29%
-4.5% YoY
105.71%
+27.0% YoY
66.95%
-4.1% YoY
42%
Delinquency Rate ? 0.23%
+48.7% YoY +37.4% QoQ
-0.66% 0.89%
+18.8% YoY
0.90%
+15.9% YoY
0.95%
+18.8% YoY
62%
Loan-to-Deposit Ratio ? 72.25%
+10.3% YoY +1.0% QoQ
-4.39% 76.64%
+0.8% YoY
81.10%
+0.7% YoY
76.70%
+0.9% YoY
63%
Non-Interest-Bearing Deposit Share ? 19.39%
+2.7% YoY +6.2% QoQ
-2.63% 22.02%
-1.0% YoY
17.15%
-0.9% YoY
22.01%
-1.2% YoY
42%
Nonperforming Asset Ratio ? 0.15%
+61.6% YoY +39.4% QoQ
-0.49% 0.64%
+19.7% YoY
0.67%
+21.6% YoY
0.67%
+19.3% YoY
65%
Tier 1 Capital Ratio ? 15.35%
-4.8% YoY +0.7% QoQ
-0.48% 15.83%
+1.5% YoY
16.04%
+1.8% YoY
17.06%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.15%
+6.0% YoY -74.6% QoQ
-0.13% 0.28%
+9.3% YoY
0.79%
-14.5% YoY
0.32%
+4.1% YoY
75%

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
#240 of 1308 • Bottom 18.3% in tier

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

Why this signature
Delinquency Rate: 0.23%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

89
Total Deposits
size
Value: $783.65M
Peer Median: $327.97M
#89 of 2664 Top 3.3% in $100M-$1B
104
Total Assets
size
Value: $895.61M
Peer Median: $386.08M
#104 of 2664 Top 3.9% in $100M-$1B
195
Total Loans
size
Value: $566.20M
Peer Median: $255.72M
#195 of 2664 Top 7.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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