Citizens State Bank of New Castle: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.26 percentage points lower than in Q1 2026, at 107.61%. Within Indiana, Citizens State Bank of New Castle is 62nd of 87 on loan-to-deposit ratio, 74.19% as of Q2 2026, below the middle of the field. Citizens State Bank of New Castle reported 74.19% on loan-to-deposit ratio for Q2 2026, 6.76 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $589.9M |
| Net loans and leases | $582.0M |
| Loans held for sale | $0 |
| Loans to total assets | 64.91% |
| Loan-to-deposit ratio | 74.19% |
| Net loans to equity capital | 6.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.29% |
| Multifamily (5+ residential) | 3.71% |
| Commercial and industrial | 14.63% |
| Consumer | 10.49% |
| Credit cards | 0.68% |
| Farm | 3.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.90% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.61% |
| Construction concentration (Tier 1 capital + allowance) | 21.36% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.81% |
| Interest income on loans | $9.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $430.5M | $688.5M | 26.59% | 13.22% | 15.06% |
| Q4 2023 | $445.3M | $691.7M | 25.89% | 13.64% | 14.37% |
| Q1 2024 | $447.4M | $673.0M | 25.20% | 14.71% | 14.42% |
| Q2 2024 | $462.6M | $680.3M | 24.21% | 14.16% | 14.34% |
| Q3 2024 | $472.6M | $683.8M | 25.16% | 13.60% | 13.98% |
| Q4 2024 | $480.6M | $725.0M | 26.14% | 13.31% | 13.32% |
| Q1 2025 | $498.5M | $750.7M | 27.97% | 14.01% | 12.69% |
| Q2 2025 | $515.3M | $745.5M | 27.73% | 13.64% | 12.59% |
| Q3 2025 | $534.6M | $731.7M | 28.48% | 13.66% | 12.60% |
| Q4 2025 | $562.1M | $775.4M | 29.03% | 13.80% | 11.96% |
| Q1 2026 | $573.8M | $783.6M | 30.63% | 14.04% | 11.19% |
| Q2 2026 | $589.9M | $795.2M | 31.29% | 14.63% | 10.49% |
Citizens State Bank of New Castle loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of New Castle, freeSource: Call Report Schedule RC-C, 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)