BlastPoint's Banking Scorecard
Citizens State Bank of New Castle, Indiana
Community
Specialty: Commercial
IN
FDIC cert 13107
New Castle, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
Citizens State Bank of New Castle, Indiana faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$890.5M
+9.0% YoY
+4.7% QoQ
|
-$500.9M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$554.8M
+17.0% YoY
+5.2% QoQ
|
-$420.7M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$775.4M
+7.0% YoY
+6.0% QoQ
|
-$389.2M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
0.93%
+7.2% YoY
-3.8% QoQ
|
-0.23% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.64%
+9.3% YoY
+1.2% QoQ
|
-0.02% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
66.05%
-4.9% YoY
-0.8% QoQ
|
+3.42% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
0.17%
+0.5% YoY
+7.7% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
71.54%
+9.4% YoY
-0.8% QoQ
|
-11.52% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
18.25%
-5.1% YoY
-6.5% QoQ
|
-2.79% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.10%
+8.0% YoY
+8.2% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
15.25%
-7.0% YoY
-2.9% QoQ
|
+5.01% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.61%
-5.1% YoY
+31.1% QoQ
|
-0.13% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Quality Pressure
risk
#52 of 808 · Bottom 6% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.17%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Loan-to-Deposit Ratio
Current: 71.54% · Tier avg: 83.06%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.25% · Tier avg: 10.24%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
50
50th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
45
45th pctile
Total Deposits
Current: $775.4M · Tier avg: $1.2B
42
42th pctile
Total Assets
Current: $890.5M · Tier avg: $1.4B
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.25% · Tier avg: 21.05%
37
37th pctile
Efficiency Ratio
Current: 66.05% · Tier avg: 62.63%
37
37th pctile
Total Loans
Current: $554.8M · Tier avg: $975.5M
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
Top Weaknesses
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
37
37th pctile
Total Loans
Current: $554.8M · Tier avg: $975.5M
37
37th pctile
Efficiency Ratio
Current: 66.05% · Tier avg: 62.63%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.25% · Tier avg: 21.05%
42
42th pctile
Total Assets
Current: $890.5M · Tier avg: $1.4B
45
45th pctile
Total Deposits
Current: $775.4M · Tier avg: $1.2B
50
50th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.25% · Tier avg: 10.24%
78
78th pctile
Loan-to-Deposit Ratio
Current: 71.54% · Tier avg: 83.06%