Citizens State Bank of New Castle: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 23.2% lower than in Q1 2026, at -$2.4M. Within Indiana, Citizens State Bank of New Castle is 14th of 50 on CET1 ratio, 15.37% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Citizens State Bank of New Castle reported 15.37% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.37% |
| Tier 1 risk-based capital ratio | 15.37% |
| Total risk-based capital ratio | 16.62% |
| Tier 1 leverage ratio | 10.45% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $95.1M |
| Tier 1 capital | $95.1M |
| Total risk-based capital | $102.8M |
| Total equity capital | $92.7M |
| Risk-weighted assets | $618.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.20% |
| Tangible equity to tangible assets | 10.20% |
| Equity capital to average assets | 10.19% |
| Internal capital growth rate | 8.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $4.0M |
| Retained earnings | $90.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.27% | 16.27% | 17.52% | 9.71% | $481.8M |
| Q4 2023 | 16.35% | 16.35% | 17.60% | 9.82% | $487.9M |
| Q1 2024 | 16.64% | 16.64% | 17.89% | 10.01% | $489.0M |
| Q2 2024 | 16.50% | 16.50% | 17.75% | 10.44% | $501.5M |
| Q3 2024 | 16.42% | 16.42% | 17.67% | 10.49% | $508.1M |
| Q4 2024 | 16.40% | 16.40% | 17.65% | 10.30% | $517.5M |
| Q1 2025 | 16.13% | 16.13% | 17.38% | 10.44% | $536.1M |
| Q2 2025 | 15.90% | 15.90% | 17.14% | 10.45% | $554.8M |
| Q3 2025 | 15.71% | 15.71% | 16.95% | 10.58% | $572.6M |
| Q4 2025 | 15.25% | 15.25% | 16.48% | 10.52% | $599.6M |
| Q1 2026 | 15.35% | 15.35% | 16.60% | 10.38% | $606.8M |
| Q2 2026 | 15.37% | 15.37% | 16.62% | 10.45% | $618.7M |
Citizens State Bank of New Castle regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of New Castle, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens State Bank of New Castle profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13107) · FFIEC NIC profile (RSSD 1000641)