Side-by-side · Q2 2026 data
First State Bank of Middlebury vs Citizens State Bank of New Castle, Indiana
Metric by metric
| Measure | First State Bank of Middlebury | Citizens State Bank of New Castle, Indiana |
|---|---|---|
| TellerScore | 67 | 70 (stronger) |
| Capital cushion | 84 (stronger) | 55 |
| Loan quality | 48 | 87 (stronger) |
| Earnings | 84 (stronger) | 62 |
| Funding & liquidity | 35 | 65 (stronger) |
| Problem-loan coverage | 81 | 95 (stronger) |
| Peer percentile | 34th | 43rd |
| Total assets | $836.2M | $908.8M |
| Deposits / shares | $651.3M | $795.2M |
| Capital ratio | 13.37% (stronger) | 10.45% |
| Problem loans | 1.55% | 0.40% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.12% |
| Return on assets | 1.59% (stronger) | 1.06% |
| Loans ÷ deposits | 99.5% | 73.2% (stronger) |
| Uninsured deposits | 37.8% | 34.8% (stronger) |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | 20.7% |
Citizens State Bank of New Castle, Indiana has the higher TellerScore (70 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Middlebury leads on 3 and Citizens State Bank of New Castle, Indiana on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.