New Carlisle Federal Savings Bank
Operating from New Carlisle, OH, New Carlisle Federal Savings Bank serves its local market as an FDIC-insured commercial bank. New Carlisle Federal Savings's Q1 2026 balance sheet shows $330M in assets funded primarily by $265M in customer deposits. Returns are in line with industry norms at 0.92% ROA and 11.39% ROE; net interest margin is 3.75%. Regulatory capital is solid — 9.42% CET1 and 10.21% total risk-based capital ratio. Asset quality merits closer attention with NPLs at 1.60%. It operates 3 branches, primarily in Ohio.
Headquarters Profile
- Address
- 400 N Main St, NEW CARLISLE, OH 45344
- County
- Clark
- Metro Area
- SPRINGFIELD, OH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- Fed District
- 9
- Established
- January 1, 1883
- Branches
- 3 domestic
- Employees (FTE)
- 29
- FDIC Cert
- 29173
- Fed RSSD
- 646873
- Website
- www.ncfsb.com →
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
New Carlisle Federal Savings Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about New Carlisle Federal Savings Bank
What are New Carlisle Federal Savings Bank's total assets?
As of the Q1 2026 filing, New Carlisle Federal Savings Bank reported total assets of $329.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is New Carlisle Federal Savings Bank headquartered?
New Carlisle Federal Savings Bank is headquartered in NEW CARLISLE, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was New Carlisle Federal Savings Bank founded?
New Carlisle Federal Savings Bank was established in 1883, per the FDIC institution directory.
Is New Carlisle Federal Savings Bank FDIC-insured?
Yes. New Carlisle Federal Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #29173). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates New Carlisle Federal Savings Bank?
New Carlisle Federal Savings Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is New Carlisle Federal Savings Bank's CET1 capital ratio?
New Carlisle Federal Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 9.42% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does New Carlisle Federal Savings Bank operate?
New Carlisle Federal Savings Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is New Carlisle Federal Savings Bank's Texas Ratio?
New Carlisle Federal Savings Bank's Texas Ratio is 16.65% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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