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Citizens State Bank of New Castle, Indiana

New Castle, IN
IDRSSD: 1000641
Total Assets
$850.95M
Latest filing
Total Deposits
$731.67M
Latest filing
Net Interest Margin
3.77%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date07/03/1873
Community BankYes
Ownership TypeNot Mutual
ZIP47362
State and County Number18065
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameNew Castle, IN

Operational Info

Number of Employees131
Domestic Offices11
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.mycsbin.com
Data Updated11/14/2025
CERT13107
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$850.95M
Total Deposits$731.67M
Total Liabilities$762.99M
Total Equity Capital$87.96M
Net Income$2.07M
Net Loans and Leases$527.58M
Assets Per Employee ($Millions)$6.4M
Bank Premises and Fixed Assets$13.11M
Cash and Balances due from Depository Institutions$0
Deposits Held in Domestic Offices$731.67M

Key Performance Ratios

Return on Assets (ROA)0.97%
Return on Equity (ROE)9.56%
Net Interest Margin3.77%
Efficiency Ratio66.08%
Tier 1 Risk-Based Capital Ratio15.711%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.17%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.337%
Earning Assets to total Assets93.98%

Income and Expense

Total Interest Income$10.72M
Total Noninterest Income$1.37M
Total Interest Expense$3.18M
Total Noninterest Expense$5.89M
Net Interest Income$7.55M
Pre-tax Net Operating Income$2.67M
Provision for Credit Losses$358.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$20.00M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$11.31M
Total Liabilities and Capital$850.95M

Securities

Securities$264.81M
Available-for-sale debt securities$75.30M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$189.32M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Citizens State Bank of New Castle, Indiana?
$850.95M as of the latest filing.
How much are Citizens State Bank of New Castle, Indiana's total deposits?
$731.67M in total deposits.
Where is Citizens State Bank of New Castle, Indiana located?
New Castle, IN.
What is the Net Interest Margin?
3.77%.
How many domestic offices does it operate?
11.
When was it established?
07/03/1873.
What is the Return on Assets (ROA)?
0.97%.
How much are total loans and leases?
$527.58M (latest filing).
What is the total interest income (latest filing)?
$10.72M.