Citizens Stb New Castle (FDIC #13107): Bank Stress & Real-Estate Credit Exposure
Citizens Stb New Castle (FDIC Cert #13107): bank stress 69/100, elevated, STABLE over 7 days; parent TOWN FINANCIAL CORP.
Citizens Stb New Castle (#13107) lends in 6 counties across 1 state; Citizens Stb New Castle (#13107) reaches 93 ZIP codes: Indiana 6 counties, 93 ZIPs.
Citizens Stb New Castle (#13107) largest markets: Hamilton County, IN (46 branches, 23 ZIPs) (#13107), Henry County, IN (92 branches, 23 ZIPs) (#13107), Madison County, IN (18 branches, 18 ZIPs) (#13107), Rush County, IN (16 branches, 16 ZIPs) (#13107), Randolph County, IN (14 branches, 14 ZIPs) (#13107), Blackford County, IN (14 branches, 7 ZIPs) (#13107).
Citizens Stb New Castle (#13107) reports $908.8 million in total assets; Citizens Stb New Castle (#13107) equity $92.7 million (10.2% of Citizens Stb New Castle (#13107) assets); Citizens Stb New Castle (#13107) domestic deposits $795.2 million; Citizens Stb New Castle (#13107) net income $4.7 million; Citizens Stb New Castle (#13107) return on assets 1.06%; Citizens Stb New Castle (#13107) return on equity 10.41%; Citizens Stb New Castle (#13107) net interest income $16.4 million; Citizens Stb New Castle (#13107) call report June 30, 2026.
Citizens Stb New Castle (#13107) noncurrent real-estate loans: none reported; Citizens Stb New Castle (#13107) net charge-offs on real estate 0.24%; Citizens Stb New Castle (#13107) residential charge-offs 0.15%.
Citizens Stb New Castle (#13107) net interest margin 3.86% against an eight-quarter Citizens Stb New Castle (#13107) average of 3.55% (Citizens Stb New Castle (#13107) compression -0.31 points); Citizens Stb New Castle (#13107) non-residential real estate 14.8% of equity; Citizens Stb New Castle (#13107) rate-exposure score 40/100, Citizens Stb New Castle (#13107) fixed-rate trap 40/100; Citizens Stb New Castle (#13107) risk type credit driven; Citizens Stb New Castle (#13107) rate regime rates elevated, Citizens Stb New Castle (#13107) snapshot October 19, 2026.
Citizens Stb New Castle (#13107) stress score moved from 69.2 on June 22, 2026 to 68.7 on October 19, 2026; Citizens Stb New Castle (#13107) ranged 68.7 to 69.2 over 116 snapshots.
Citizens Stb New Castle (#13107) alerts: 6 counties; top Citizens Stb New Castle (#13107) alert scores: Fishers County, IN 23 (low); Hartford City County, IN 23 (low); New Castle County, IN 23 (low); Pendleton County, IN 23 (low); Rushville County, IN 23 (low).