CITIZENS STATE BANK OF NEW CASTLE

NEW CASTLE, IN | Medium | Est. July 3, 1873, midnight | FDIC #13107 | RSSD #1000641 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK OF NEW CASTLE is amn medium FDIC-insured commercial bank headquartered in NEW CASTLE, IN, established in July 3, 1873, midnight. As of 2025-12-31, the bank reported total assets of $891M and total deposits of $775M. Profitability stands at 0.84% ROA and 8.20% ROE, with a net interest margin of 3.91%. The bank's CET1 capital ratio is 15.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 0.65%. FDIC Certificate #13107.

Assets

$891M

Deposits

$775M

Loans

$562M

Equity

$90M

Profitability

Return on Assets (ROA) 0.84%
Return on Equity (ROE) 8.20%
Net Interest Margin (NIM) 3.91%
Yield on Assets 5.54%
Cost of Funds 1.69%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio 0.21%
Texas Ratio 0.65%
NPA Ratio 0.07%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 15.25%
Tier 1 Capital 15.25%
Total Capital Ratio 16.48%
Leverage Ratio 10.52%
Loan-to-Deposit 72.49%

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