New Carlisle Federal Savings Bank
New Carlisle, OH · Cert 29173 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 3 branches
Q2 2026
$330.5MAssets
$280.9MLoans
$259.7MDeposits
$27.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 77% of banks under $1B in assets operating in a single state (rank 172 of 746).
- Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets operating in a single state (rank 683 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.17%
Rank 308 of 746
Net Interest Margin
3.96%
Rank 259 of 746
Efficiency Ratio
57.28%
Rank 220 of 746
Equity / Assets
8.39%
Rank 613 of 746
Non-interest income vs. expense
Unfavorable gap of $7.1M · efficiency ratio beats 71% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.72% | 1.06% | 1.45% | Beats 59% | 308 / 746 | | |
| Return on Equity | 14.01% | 6.74% | 10.51% | 13.63% | Beats 77% | 172 / 746 | | |
| Net Interest Margin | 3.96% | 3.17% | 3.68% | 4.16% | Beats 65% | 259 / 746 | | |
| Efficiency Ratio | 57.28% | 55.74% | 64.58% | 75.47% | Beats 71% | 220 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.78% | 0.09% | 0.42% | 1.07% | Beats 14% | 641 / 743 | | |
| Net Charge-Offs / Loans | 0.19% | 0.00% | 0.01% | 0.05% | Beats 8% | 683 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.05% | 11.55% | 13.75% | 17.60% | Beats 9% | 679 / 746 | | |
| Total Risk-Based Capital Ratio | 10.79% | 11.71% | 14.33% | 18.43% | Beats 16% | 629 / 746 | | |
| Equity / Assets | 8.39% | 8.90% | 10.51% | 13.06% | Beats 18% | 613 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 108.16% | 61.31% | 78.27% | 90.78% | 96th pctl | 31 / 746 | | |
| Loans / Assets | 84.99% | 53.60% | 66.97% | 76.08% | 95th pctl | 36 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |