TellerScore

Citizens State Bank of New Castle, Indiana (FDIC certificate #13107) is based in New Castle, Indiana. Its Q2 2026 call report shows $908.8M in total assets and $795.2M in deposits and 10 offices.

Based on its Q2 2026 filing, Citizens State Bank of New Castle, Indiana scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 31st. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is capital cushion (55/100; 10.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.45%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.40%
Earnings62/100
Return on assets (annualized): 1.06%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 73.2% · 34.8% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.36%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 70).

TellerScore
707273Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202472
Q1 202573
Q2 202571
Q3 202573
Q4 202571
Q1 202671
Q2 202670
Tier 1 leverage ratio
5.00%7.79%10.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.44%
Q3 202410.49%
Q4 202410.30%
Q1 202510.44%
Q2 202510.45%
Q3 202510.58%
Q4 202510.52%
Q1 202610.38%
Q2 202610.45%
Noncurrent loans
0.15%0.28%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.18%
Q3 20240.22%
Q4 20240.17%
Q1 20250.15%
Q2 20250.29%
Q3 20250.15%
Q4 20250.17%
Q1 20260.23%
Q2 20260.40%
Return on assets
0.86%0.96%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.92%
Q3 20240.86%
Q4 20240.87%
Q1 20250.94%
Q2 20250.96%
Q3 20250.97%
Q4 20250.93%
Q1 20260.95%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$908.8M10.45%0.40%1.06%73.2%
Q1 202671$895.6M10.38%0.23%0.95%72.3%
Q4 202571$890.5M10.52%0.17%0.93%71.5%
Q3 202573$851.0M10.58%0.15%0.97%72.1%
Q2 202571$852.0M10.45%0.29%0.96%68.2%
Q1 202573$845.1M10.44%0.15%0.94%65.5%
Q4 202472$817.2M10.30%0.17%0.87%65.4%
Q3 202472$795.4M10.49%0.22%0.86%68.1%
Q2 202472$789.6M10.44%0.18%0.92%67.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.45%
40th
Total risk-based capital16.62%
76th
Problem loans0.40%
50th
Net charge-offs0.12%
18th
Return on assets1.06%
37th
Net interest margin3.86%
46th
Efficiency ratio63.1%
47th
Loans to deposits73.2%
64th
Uninsured deposits34.8%
17th
Loan-loss reserves1.35%
68th
Texas ratio2.4%
54th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
State BankBank Brownsburg, IN71 out of 100, Strong$916.1M11.9%0.13%vs
Greenfield Banking CompanyBank Greenfield, IN84 out of 100, Strong$930.5M13.9%0.35%vs
The Fountain Trust CompanyBank Covington, IN69 out of 100, Moderate$844.6M10.0%0.63%vs
Community First Bank of IndianaBank Kokomo, IN55 out of 100, Moderate$980.3M9.9%1.32%vs
First State Bank of MiddleburyBank Middlebury, IN67 out of 100, Moderate$836.2M13.4%1.55%vs
FCN Bank, National AssociationBank Brookville, IN73 out of 100, Strong$812.5M9.9%0.02%vs

Deposit insurance

Is my money safe at Citizens State Bank of New Castle, Indiana?

Yes. Citizens State Bank of New Castle, Indiana is an FDIC-insured institution (FDIC certificate #13107). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.8% of deposits ($277.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.45%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.62% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Citizens State Bank of New Castle, Indiana lists 9 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Citizens State Bank of New Castle, Indiana reported 206 home-loan applications under HMDA (LEI 549300QX5KH5JXXMYU41): 141 originated ($34,165,000 total), 40 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Citizens State Bank of New Castle, Indiana
Type
State-chartered bank
FDIC certificate #
13107
RSSD ID
1000641
Primary regulator
FDIC
Holding company
Town Financial Corp
Established
July 3, 1873
Headquarters
1238 Broad St, New Castle, IN 47362
Employees
136

Quick answers

Citizens State Bank of New Castle, Indiana: common questions

Is Citizens State Bank of New Castle, Indiana FDIC insured?

Yes. Citizens State Bank of New Castle, Indiana is an FDIC-insured institution (FDIC certificate #13107). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens State Bank of New Castle, Indiana's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Citizens State Bank of New Castle, Indiana ever failed?

There is no failure record for FDIC certificate #13107 in the FDIC failed bank list.

How many branches does Citizens State Bank of New Castle, Indiana have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near New Castle

InstitutionScoreAssetsCapitalProblem loansCompare
A H E Plant 3 Federal Credit UnionCredit union Winchester, IN100 out of 100, Very strong$12.2M19.9%0.07%vs
Crossroads Financial Federal Credit UnionCredit union Portland, IN100 out of 100, Very strong$102.4M15.1%0.05%vs
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
Eastern Indiana Federal Credit UnionCredit union New Castle, IN84 out of 100, Strong$44.4M13.5%1.05%vs
Greenfield Banking CompanyBank Greenfield, IN84 out of 100, Strong$930.5M13.9%0.35%vs
Madison County Federal Credit UnionCredit union Anderson, IN73 out of 100, Strong$114.0M11.2%0.67%vs