Citizens State Bank of New Castle
Also written as CSB of New Castle
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Data as of · sourced from FFIEC call reports. How we update
Citizens State Bank of New Castle is an FDIC-insured commercial bank headquartered in New Castle, IN, established in 1873 (FDIC certificate 13107), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $908.8M, up 6.7% from Q2 2025, the 24th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 15.37% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13107
- Headquarters
- New Castle, IN
- Established
- 1873
- Total assets, Q2 2026
- $908.8M
- Assets vs Q2 2025
- +6.7%
- CET1 ratio, Q2 2026
- 15.37%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 074902082
- Latest call report
- Q2 2026, FFIEC 051 · Citizens State Bank of New Castle Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- TOWN FINANCIAL CORPORATION
- Asset rank in state
- 24th of 87 in Indiana
Citizens State Bank of New Castle, based in New Castle, Indiana, reported $909 million in assets at June 30, 2026, up 6.7% from a year earlier. It grew its loan book 14.5% over the year, 2.6 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets.
Loans are outrunning deposits: over the year loans rose 14.5% and deposits rose 6.7%. Paper losses on its bond portfolio are shrinking: unrealized losses of $28 million equal 29% of Tier 1 capital, down from 40% a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.39% of loans from 0.27% a year earlier.
As of June 30, 2026, Citizens State Bank of New Castle reported a CET1 capital ratio of 15.37%, a return on assets of 1.15%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 2.29%. The figures come from its call report filed with the FFIEC.
Citizens State Bank of New Castle ranks as the 24th largest of the 87 banks based in Indiana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.5% to $908.8M, loans rose 2.8% and deposits rose 1.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 29.0% of total loans, ahead of owner-occupied commercial real estate loans at 19.9%. Its 11 offices in the FDIC Summary of Deposits are in 8 cities in IN; its New Castle 3 offices book 37% of its branch deposits. Judged on its Q2 2026 call report, Citizens State Bank of New Castle meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1238 Broad St, New Castle, IN 47362
- County
- Henry
- Metro Area
- New Castle, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 3, 1873
- Former names
- Citizens State Bank of New Castle, Indiana (2016)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 136
- Domestic deposits
- $795.2M
- Allowance for credit losses
- $8.0M
- Net charge-offs (YTD)
- $348K
- Average total assets
- $909.4M
- Average total loans
- $580.7M
- Average interest-bearing deposits
- $641.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13107
- Fed RSSD
- 1000641
- Website
- www.mycsbin.com →
- Parent Holding Company
- TOWN FINANCIAL CORPORATION (RSSD 1200405)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens State Bank of New Castle's total assets ranged from $781.4M (Q1 2024) to $908.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$908.8M total assets against $852.0M; $816.1M total liabilities against $766.5M.
$582.0M net loans and leases against $508.5M; $795.2M total deposits against $745.5M.
$255.7M securities against $265.1M; $35.3M cash and balances due against $46.6M.
$11.7M total interest income against $10.3M; $3.3M total interest expense against $3.1M.
$8.4M net interest income against $7.2M.
$1.4M total noninterest income against $1.3M; $6.0M total noninterest expense against $5.6M.
$580K provision for credit losses against $301K.
$2.6M net income against $2.1M.
1.15% return on assets against 0.99%; 3.95% net interest margin against 3.64%.
15.37% CET1 capital ratio against 15.90%; 10.45% tier 1 leverage ratio against 10.45%.
Inside the full Citizens State Bank of New Castle terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Citizens State Bank of New Castle rankings
Its closest position to the top of a national ranking is 1,126 of 4,196, for total assets; its furthest is 2,164 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.76% (Q3 2024) to 1.15% (Q2 2026) and its net interest margin ran from 3.35% (Q3 2024) to 3.95% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.37% | 1.15% | 0.40% | 2.29% | 3.95% |
| Q1 2026 | 15.35% | 0.95% | 0.23% | 1.24% | 3.79% |
| Q4 2025 | 15.25% | 0.84% | 0.17% | 0.87% | 3.84% |
| Q3 2025 | 15.71% | 0.98% | 0.15% | 0.78% | 3.77% |
| Q2 2025 | 15.90% | 0.99% | 0.29% | 1.52% | 3.64% |
| Q1 2025 | 16.13% | 0.94% | 0.15% | 0.74% | 3.45% |
| Q4 2024 | 16.40% | 0.88% | 0.17% | 0.76% | 3.42% |
| Q3 2024 | 16.42% | 0.76% | 0.22% | 1.04% | 3.35% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens State Bank of New Castle, Indiana | New Castle , IN | 47362 | $200.7M |
| Walnut Street Branch | Hartford City , IN | 47348 | $117.9M |
| Raintree Branch | New Castle , IN | 47362 | $92.2M |
| Fishers Branch | Fishers , IN | 46038 | $89.7M |
| Knightstown Branch | Knightstown , IN | 46148 | $83.8M |
| Rushville Branch | Rushville , IN | 46173 | $68.3M |
| Pendleton Branch | Pendleton , IN | 46064 | $66.7M |
| Union City Branch | Union City , IN | 47390 | $43.7M |
| Carmel in Branch | Carmel , IN | 46032 | $32.1M |
| Washington Street Branch | Hartford City , IN | 47348 | $0 |
| Drive-In Branch | New Castle , IN | 47362 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 17, 2016 | Structure Change | Acquired Bank Computer Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 21, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 21, 2013 | Structure Change | Acquired Pacesetter Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in IN, rank 39 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 209 applications, 141 loans originated, $34.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 21 loans, $11.7M approved, $557K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens State Bank of New Castle
What are Citizens State Bank of New Castle's total assets?
As of the Q2 2026 filing, Citizens State Bank of New Castle reported total assets of $908.8 million in its FFIEC call report.
Where is Citizens State Bank of New Castle headquartered?
It is headquartered in New Castle, IN, United States.
When was Citizens State Bank of New Castle founded?
It was established in 1873, per the FDIC institution directory.
Is Citizens State Bank of New Castle FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13107). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens State Bank of New Castle?
Citizens State Bank of New Castle's primary federal regulator is the FDIC.
What is Citizens State Bank of New Castle's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.37% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens State Bank of New Castle operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens State Bank of New Castle's Texas Ratio?
Its Texas Ratio is 2.29% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Citizens State Bank of New Castle previously called?
The charter now named Citizens State Bank of New Castle has also operated as Citizens State Bank of New Castle, Indiana (2016), per FDIC structure-change records.
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