Citizens State Bank of New Castle, Indiana: how it compares with its peers
Against 30 IN banks with half to twice its assets, Citizens State Bank of New Castle, Indiana's strongest measure in Q2 2026 is assets per employee ($6.7M vs. a $6.3M peer median). Its weakest relative measure is return on assets (1.06% vs. 1.14%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.06% | 1.14% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.86% | 3.76% | Middle third Ahead of 57% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.14% | 63.98% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.3M | Middle third Ahead of 60% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.18% | 81.94% | Context |
What it means for lending operations
Its efficiency ratio of 63.14% is better than the 63.98% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- State Bank Brownsburg, IN · $916M
- Greenfield Banking Company Greenfield, IN · $930M
- The Fountain Trust Company Covington, IN · $845M
- Community First Bank of Indiana Kokomo, IN · $980M
- First State Bank of Middlebury Middlebury, IN · $836M
- FCN Bank, National Association Brookville, IN · $812M
Questions about Citizens State Bank of New Castle, Indiana
How big is Citizens State Bank of New Castle, Indiana?
Citizens State Bank of New Castle, Indiana, established in 1873, is headquartered in New Castle, IN. It reported $909M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Citizens State Bank of New Castle, Indiana's return on assets?
1.06% annualized in Q2 2026, against a 1.14% median for 30 IN banks with half to twice its assets, ahead of 40% of them.
What is Citizens State Bank of New Castle, Indiana's efficiency ratio?
63.14% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 63.98%, and lower is better.
Is Citizens State Bank of New Castle, Indiana growing its loans?
Net loans grew 14.4% over the year to Q2 2026, while deposits grew 6.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.