Headquartered in New Carlisle, Ohio, New Carlisle Federal Savings Bank is a savings bank with $330.5M in total assets and $259.7M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1883.
Based on its Q2 2026 filing, New Carlisle Federal Savings Bank scores 49/100, which we describe as below average. That is higher than only 6% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 153rd. Its strongest component is earnings (68/100; 1.20%), and its lowest is capital cushion (34/100; 8.42%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 3 points (46 → 49), mostly because the earnings component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 58 |
| Q4 2024 | 51 |
| Q1 2025 | 40 |
| Q2 2025 | 46 |
| Q3 2025 | 44 |
| Q4 2025 | 49 |
| Q1 2026 | 48 |
| Q2 2026 | 49 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.52% |
| Q3 2024 | 8.73% |
| Q4 2024 | 8.66% |
| Q1 2025 | 8.37% |
| Q2 2025 | 8.48% |
| Q3 2025 | 8.25% |
| Q4 2025 | 8.25% |
| Q1 2026 | 8.17% |
| Q2 2026 | 8.42% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.08% |
| Q3 2024 | 0.82% |
| Q4 2024 | 1.50% |
| Q1 2025 | 2.29% |
| Q2 2025 | 1.93% |
| Q3 2025 | 1.97% |
| Q4 2025 | 1.47% |
| Q1 2026 | 1.57% |
| Q2 2026 | 1.78% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 1.13% |
| Q4 2024 | 1.07% |
| Q1 2025 | 0.88% |
| Q2 2025 | 1.05% |
| Q3 2025 | 1.01% |
| Q4 2025 | 0.96% |
| Q1 2026 | 0.93% |
| Q2 2026 | 1.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $330.5M | 8.42% | 1.78% | 1.20% | 107.4% |
| Q1 2026 | 48 | $329.8M | 8.17% | 1.57% | 0.93% | 106.2% |
| Q4 2025 | 49 | $314.2M | 8.25% | 1.47% | 0.96% | 110.0% |
| Q3 2025 | 44 | $315.6M | 8.25% | 1.97% | 1.01% | 106.7% |
| Q2 2025 | 46 | $289.0M | 8.48% | 1.93% | 1.05% | 113.9% |
| Q1 2025 | 40 | $287.0M | 8.37% | 2.29% | 0.88% | 115.1% |
| Q4 2024 | 51 | $271.2M | 8.66% | 1.50% | 1.07% | 127.0% |
| Q3 2024 | 58 | $260.8M | 8.73% | 0.82% | 1.13% | 128.6% |
| Q2 2024 | 54 | $254.8M | 8.52% | 1.08% | 1.00% | 116.8% |
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).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Farmers State BankBank New Madison, OH | 75 out of 100, Strong | $329.6M | 10.9% | 0.28% | vs |
| The Citizens Bank CompanyBank Beverly, OH | 86 out of 100, Very strong | $334.6M | 13.6% | 0.39% | vs |
| RiverHills BankBank Milford, OH | 73 out of 100, Strong | $340.8M | 10.7% | 0.12% | vs |
| The First National Bank of BellevueBank Bellevue, OH | 54 out of 100, Below average | $309.7M | 9.4% | 1.77% | vs |
| The Hocking Valley BankBank Athens, OH | 77 out of 100, Strong | $354.0M | 11.4% | 0.54% | vs |
| Farmers & Merchants BankBank Miamisburg, OH | 74 out of 100, Strong | $359.4M | 12.2% | 1.04% | vs |
Deposit insurance
Is my money safe at New Carlisle Federal Savings Bank?
Yes. New Carlisle Federal Savings Bank is an FDIC-insured institution (FDIC certificate #29173). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.4% of deposits ($37.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.42%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.79% (benchmark: 10%).
2 locations
Branches
New Carlisle Federal Savings Bank lists 2 offices in 2 cities. Most locations:
- New Carlisle, OH (1)
- Springfield, OH (1)
Identity & history
Profile
- Legal name
- New Carlisle Federal Savings Bank
- Former names
- New Carlisle Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 29173
- RSSD ID
- 646873
- Primary regulator
- OCC
- Established
- January 1, 1883
- Headquarters
- 400 N Main St, New Carlisle, OH 45344
- Website
- www.ncfsb.com
- Employees
- 30
Quick answers
New Carlisle Federal Savings Bank: common questions
Is New Carlisle Federal Savings Bank FDIC insured?
Yes. New Carlisle Federal Savings Bank is an FDIC-insured institution (FDIC certificate #29173). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is New Carlisle Federal Savings Bank's TellerScore?
49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has New Carlisle Federal Savings Bank ever failed?
There is no failure record for FDIC certificate #29173 in the FDIC failed bank list.
How many branches does New Carlisle Federal Savings Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near New Carlisle
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Covington Savings and Loan AssociationBank Covington, OH | 91 out of 100, Very strong | $84.0M | 18.6% | 0.00% | vs |
| The First Central National Bank of St. ParisBank St. Paris, OH | 87 out of 100, Very strong | $97.0M | 18.9% | 0.02% | vs |
| Greenville National BankBank Greenville, OH | 86 out of 100, Very strong | $641.5M | 13.0% | 0.05% | vs |
| Day Air Credit UnionCredit union Kettering, OH | 82 out of 100, Strong | $908.8M | 14.6% | 0.96% | vs |
| Minster BankBank Minster, OH | 79 out of 100, Strong | $811.6M | 10.1% | 0.14% | vs |
| Postal Family Credit Union, Inc.Credit union Cincinnati, OH | 79 out of 100, Strong | $66.2M | 18.1% | 1.44% | vs |