New Carlisle Federal Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
New Carlisle Federal Savings Bank is an FDIC-insured savings institution headquartered in New Carlisle, OH, established in 1883 (FDIC certificate 29173), and it is supervised by the OCC. At Q2 2026 it reported total assets of $330.5M, up 14.3% from Q2 2025, the 70th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 10.05% at Q2 2026, above regulatory requirements.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29173
- Headquarters
- New Carlisle, OH
- Established
- 1883
- Total assets, Q2 2026
- $330.5M
- Assets vs Q2 2025
- +14.3%
- CET1 ratio, Q2 2026
- 10.05%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 242272463
- Latest call report
- Q2 2026, FFIEC 051 · New Carlisle Federal Savings Bank Q3 2026 call report, filed October 21, 2026 (preliminary)
- Asset rank in state
- 70th of 154 in Ohio
New Carlisle Federal Savings Bank operates with a thinner capital cushion than most banks of its size. Based in New Carlisle, Ohio, it had $330 million in assets at June 30, 2026, up 14.3% from a year earlier. It holds common equity equal to 10.05% of its risk-weighted assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 15.11%). It also carries problem assets equal to 16.6% of the capital and reserves that would absorb them, 6.3 times the median of 2.7% for banks its size. It has also been growing, with assets up 14.3% in a year.
Its $35 million commercial and industrial book is improving, with 3.92% past due or on nonaccrual, down from 8.87% a year earlier. Earnings jumped: net income for the quarter was $1.2 million, 38% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 2.71% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, New Carlisle Federal Savings Bank reported a CET1 capital ratio of 10.05%, a return on assets of 1.44%, a nonperforming-loan ratio of 1.78% and a Texas ratio of 16.64%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, New Carlisle Federal Savings Bank is the 70th largest of the 154 banks headquartered in Ohio. From Q1 2026 to Q2 2026, its total assets rose 0.2% to $330.5M, loans fell 1.2% and deposits fell 2.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 41.3% of total loans, followed by owner-occupied commercial real estate loans at 18.6%. Its 3 offices in the FDIC Summary of Deposits are in Springfield, OH and New Carlisle, OH; its Springfield 2 offices book 63% of its branch deposits. By the capital ratios in its Q2 2026 call report, New Carlisle Federal Savings Bank meets every capital ratio test for well capitalized.
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
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1883
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $259.7M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $542K
- Average total assets
- $330.7M
- Average total loans
- $282.4M
- Average interest-bearing deposits
- $217.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29173
- Fed RSSD
- 646873
- Website
- www.ncfsb.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
New Carlisle Federal Savings Bank's total assets moved between a low of $238.4M (Q3 2023) and a high of $330.5M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$330.5M total assets against $289.0M; $302.7M total liabilities against $264.6M.
$278.8M net loans and leases against $248.3M; $259.7M total deposits against $218.1M.
$15.2M securities against $14.2M; $23.4M cash and balances due against $14.1M.
$5.6M total interest income against $4.4M; $2.0M total interest expense against $1.9M.
$3.6M net interest income against $2.5M.
$238K total noninterest income against $315K; $2.0M total noninterest expense against $1.7M.
$344K provision for credit losses against $53K.
$1.2M net income against $865K.
1.44% return on assets against 1.19%; 4.54% net interest margin against 3.66%.
10.05% CET1 capital ratio against 9.84%; 8.42% tier 1 leverage ratio against 8.48%.
Inside the full New Carlisle Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
New Carlisle Federal Savings Bank rankings
Its closest position to the top of a national ranking is 252 of 3,640, for Texas Ratio; its furthest is 2,093 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.80% (Q4 2025) to 1.44% (Q2 2026) and its net interest margin ran from 3.53% (Q1 2025) to 4.54% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.05% | 1.44% | 1.78% | 16.64% | 4.54% |
| Q1 2026 | 9.42% | 0.92% | 1.57% | 14.73% | 3.75% |
| Q4 2025 | 9.59% | 0.80% | 1.47% | 13.81% | 3.80% |
| Q3 2025 | 9.47% | 0.95% | 1.97% | 17.29% | 3.65% |
| Q2 2025 | 9.84% | 1.19% | 1.93% | 16.35% | 3.66% |
| Q1 2025 | 9.68% | 0.87% | 2.29% | 20.21% | 3.53% |
| Q4 2024 | 9.88% | 0.90% | 1.50% | 13.58% | 3.67% |
| Q3 2024 | 10.24% | 1.38% | 0.82% | 7.40% | 3.84% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Limestone Branch | Springfield , OH | 45503 | $104.9M |
| New Carlisle Federal Savings Bank (main office) | New Carlisle , OH | 45344 | $96.7M |
| Villa Road Branch | Springfield , OH | 45503 | $58.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 87 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $1.5M approved, $365K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, New Carlisle Federal Savings Bank reported total assets of $330.5 million in its FFIEC call report.
Where is New Carlisle Federal Savings Bank headquartered?
It is headquartered in New Carlisle, OH, United States.
When was New Carlisle Federal Savings Bank founded?
It was established in 1883, per the FDIC institution directory.
Is New Carlisle Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (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.
What is New Carlisle Federal Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.05% in its Q2 2026 call report, above regulatory requirements.
How many branches does New Carlisle Federal Savings Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is New Carlisle Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 16.64% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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