Citizens State Bank of New Castle: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 54.81 percentage points in Q2 2026, from 469.06% to 523.87%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Citizens State Bank of New Castle is 42nd of 87 on return on assets, 1.15% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Citizens State Bank of New Castle sits 0.10 points lower, at 1.15% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.37% |
| Tier 1 risk-based capital ratio | 15.37% |
| Total risk-based capital ratio | 16.62% |
| Tier 1 leverage ratio | 10.45% |
| Equity capital to assets | 10.20% |
| Tangible equity to tangible assets | 10.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 2.39% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 523.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.15% |
| Return on equity | 11.37% |
| Net interest margin | 3.95% |
| Efficiency ratio | 59.86% |
| Yield on earning assets | 5.47% |
| Cost of funds | 1.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.19% |
| Core deposits to total deposits | 97.47% |
| Brokered deposits to total deposits | 0.64% |
| Deposits to assets | 87.50% |
| Securities to assets | 28.14% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.27% | 16.27% | 17.52% | 9.71% | 0.98% |
| Q4 2023 | 16.35% | 16.35% | 17.60% | 9.82% | 0.82% |
| Q1 2024 | 16.64% | 16.64% | 17.89% | 10.01% | 0.96% |
| Q2 2024 | 16.50% | 16.50% | 17.75% | 10.44% | 0.85% |
| Q3 2024 | 16.42% | 16.42% | 17.67% | 10.49% | 0.76% |
| Q4 2024 | 16.40% | 16.40% | 17.65% | 10.30% | 0.88% |
| Q1 2025 | 16.13% | 16.13% | 17.38% | 10.44% | 0.94% |
| Q2 2025 | 15.90% | 15.90% | 17.14% | 10.45% | 0.99% |
| Q3 2025 | 15.71% | 15.71% | 16.95% | 10.58% | 0.98% |
| Q4 2025 | 15.25% | 15.25% | 16.48% | 10.52% | 0.84% |
| Q1 2026 | 15.35% | 15.35% | 16.60% | 10.38% | 0.95% |
| Q2 2026 | 15.37% | 15.37% | 16.62% | 10.45% | 1.15% |
Citizens State Bank of New Castle vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of New Castle, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)