Citizens State Bank of New Castle: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens State Bank of New Castle of New Castle, IN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.15% | 1.35% | -0.20% | 42nd below |
| ROAE | 11.37% | 13.33% | -1.96% | 44th below |
| Net Interest Margin | 3.95% | 3.93% | +0.02% | 50th above |
| Efficiency Ratio | 59.86% | 61.13% | -1.27% | 54th above |
| PPNR / Avg Assets | 1.71% | 1.68% | +0.03% | 58th above |
| Yield on Earning Assets | 5.47% | 5.67% | -0.20% | 44th below |
| Cost of Funds | 1.63% | 1.88% | -0.25% | 61st above |
| Net Interest Spread | 3.46% | 3.32% | +0.14% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.94% | -0.68% | 60th above |
| NPA / Total Assets | 0.17% | 0.70% | -0.53% | 63rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.16% | -0.03% | 16th bottom |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 67th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 523.87% | 1547.10% | -1023.23% | 72nd above |
| Texas Ratio | 2.39% | 7.34% | -4.95% | 59th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 289.66% | 1396.34% | -1106.68% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.37% | 19.49% | -4.12% | 53rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.37% | 19.52% | -4.15% | 52nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.62% | 20.61% | -3.99% | 53rd above |
| Leverage Ratio | 10.45% | 12.14% | -1.69% | 40th below |
| Equity / Assets | 10.20% | 11.37% | -1.17% | 48th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.20% | 11.08% | -0.88% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.19% | 80.67% | -6.48% | 63rd above |
| Core Deposit Ratio | 97.47% | 86.84% | +10.63% | 94th top |
| Wholesale Funding Ratio | 1.65% | 5.04% | -3.39% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.66% | 6.84% | -0.18% | 67th above |
| Loan Growth (Y/Y) | 14.49% | 7.91% | +6.58% | 85th top |
| Deposit Growth (Y/Y) | 6.66% | 6.29% | +0.37% | 68th above |
See Citizens State Bank of New Castle's peers by name
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Unlock Citizens State Bank of New Castle, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens State Bank of New Castle profile, how to read a UBPR, or how this data updates.