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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Indiana, the state note

Citizens State Bank New Castle

New Castle, Indiana · $909M in assets · beside the 11 other Indiana banks between $300M and $1B

The filing

+14.5%
Loans, year over year
3rd of 12, largest first
107.9%
CRE / capital
3rd of 12
74.2%
Loans / deposits
4th of 12

Citizens State Bank New Castle is the fourth largest of the 12 Indiana banks nearest its size between $300M and $1B, with $909M in assets at 30 June 2026. Loans are 74.2% of deposits, 4th of 12 against a median of 83.0%, and equity is 10.2% of assets, 7th of 12. Loans grew +14.5% in the year, 3rd of 12, and deposits grew 6.7%; the cohort's median loan growth is +8.0%.

Noncurrent loans are 0.40% of the book, 6th of 12 against a median of 0.51%; 0.39% is 30 to 89 days past due, and the allowance covers them 3.4 times. Net charge-offs are 0.12% of loans, 11th of 12. Commercial real estate is 18.8% of loans, 4th of 12 against a median of 28.4%, and 108% of capital, below the 300% screen, with construction at 21% against the 100% screen.

Return on assets is 1.04%, 8th of 12 against a median of 1.06%, on an efficiency ratio of 63.1%, 6th of 12. Five years ago it was 1.01%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate against capital, the 300% screenIN banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 174% FT Fountain Trust Co. 87% SV Springs Valley Bank & Trust Co. 104% CS Citizens State Bank New Castle 108% FS First State Bank of Middlebury 141% NS North Salem State Bank 146% GB Greenfield Banking Co. 159% FF First Federal Savings Bank 189% CB Citizens Bank 202% NW New Washington State Bank 226% FB FCN Bank National Association 247% SB State Bank 281% CF Community First Bank of Indiana 333%
Loans, year over yearIN banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +8.0% FT Fountain Trust Co. +44.0% NW New Washington State Bank +22.3% CS Citizens State Bank New Castle +14.5% FB FCN Bank National Association +11.3% CF Community First Bank of Indiana +10.5% SV Springs Valley Bank & Trust Co. +8.2% SB State Bank +7.9% NS North Salem State Bank +6.8% FF First Federal Savings Bank +5.6% CB Citizens Bank +4.1% FS First State Bank of Middlebury +3.6% GB Greenfield Banking Co. -1.5%

SBA 7(a), FY2008 to FY2026

Citizens State Bank New Castle is the 41st largest 7(a) lender into Indiana of 351, with $53M across 190 loans, 0.7% of everything approved in the state (The Huntington National Bank leads with $911M). 6 of its 20 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Indiana, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Hamilton, IN$26M9th of 1323.0%+3.4 pts
Marion, IN$14M28th of 1720.8%-0.9 pts
Sumner, TN$5M12th of 662.7%quiet FY2021
Henry, IN$3M4th of 387.7%thin
Randolph, IN$3M3rd of 1416.3%-42.9 pts
Blackford, IN$1M2nd of 1221.3%-42.1 pts
Hendricks, IN$1M42nd of 830.4%thin
Sevier, TN$1M25th of 521.0%quiet FY2021
Hancock, IN$1M23rd of 561.0%thin
Madison, IN$850K28th of 560.7%thin
Rush, IN$667K7th of 155.1%+15.4 pts
Dallas, IA$550K34th of 730.6%thin
Johnson, IN$450K53rd of 800.2%thin
7 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Professional & technical services31$13M21.7%0.04%246th of 1,955
Other services26$12M19.9%0.03%324th of 2,248
Health care & social assistance21$7M11.1%0.01%480th of 2,172
Accommodation & food services19$6M10.3%0.01%731st of 2,596
Retail trade14$4M6.8%0.01%810th of 2,589
7(a) lenders into Indiana, share of approvals since FY2008351 lenders on record; the ten largest and Citizens State
TH The Huntington National Bank 11.3% $911M · 4,690 loans KN KeyBank National Association 4.3% $349M · 745 loans BB Byline Bank 4.2% $338M · 296 loans LO Live Oak Banking Company 4.1% $334M · 259 loans ON Old National Bank 3.4% $275M · 416 loans sS 1st Source Bank 3.3% $271M · 1,827 loans FM First Merchants Bank 2.9% $236M · 743 loans G Gbank 2.5% $202M · 68 loans WF Wells Fargo Bank National Associa… 2.3% $188M · 395 loans FF First Financial Bank 2.2% $181M · 610 loans CS Citizens State Bank of New Castle 0.7% $53M · 190 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Citizens StateRankCohort median
Total CRE against capital, the 300% screen108%3rd of 12174%
Construction against capital, the 100% screen21%2nd of 1255%
Construction and land development, share of loans3.7%2nd of 127.7%
Non-owner-occupied nonfarm nonresidential, share of loans11.4%6th of 1213.9%
Total CRE, the guidance definition, share of loans18.8%4th of 1228.4%
CRE growth over 36 months, the third prong+39.9%10th of 12+19.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Community First Bank of Indiana$980M1.2%68.2%1.32%0.22%1.8%99.7%10.5%
Greenfield Banking Co.$930M1.7%53.3%0.35%0.05%1.4%73.6%13.6%
State Bank$916M1.1%65.5%0.13%0.01%1.5%92.9%11.0%
Citizens State Bank New Castle$909M1.0%63.1%0.40%0.12%1.4%74.2%10.2%
Fountain Trust Co.$845M1.0%71.1%0.63%0.08%1.5%70.1%11.4%
First State Bank of Middlebury$836M1.6%57.3%1.55%0.00%1.6%101.2%11.6%
FCN Bank National Association$812M1.1%63.0%0.02%-0.02%1.1%78.4%8.1%
New Washington State Bank$798M0.9%70.6%0.83%0.07%1.3%73.9%8.8%
North Salem State Bank$770M1.6%53.9%0.67%0.00%1.6%91.2%9.0%
Citizens Bank$691M1.0%70.9%0.09%0.02%1.3%75.1%9.4%
First Federal Savings Bank$687M1.0%75.6%0.94%0.00%1.0%109.9%9.2%
Springs Valley Bank & Trust Co.$675M1.8%57.3%0.14%-0.11%1.4%87.7%11.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Citizens StateCohort median
20212026Change20212026Change
Loans$381M$590M+55%$357M$589M+65%
Deposits$680M$795M+17%$536M$714M+33%
NPA / loans0.18%0.40%+0.22 pts0.38%0.51%+0.13 pts
Efficiency62.6%63.1%+0.5 pts62.7%64.3%+1.6 pts
ROA1.01%1.04%+0.04 pts1.21%1.06%-0.16 pts

This read was prepared for Citizens State Bank New Castle's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Citizens State Bank New Castle is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IN banks $300M to $1B
Institution www.mycsbin.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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