Bank · FDIC insured
Citizens State Bank
A $908.8M bank headquartered in New Castle, IN, with 11 branches in Indiana.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens State Bank
Founded in 1873 by John R. Millikan, Citizens State Bank is a family-owned bank serving Central Indiana.
The bank operates nine banking locations across Central Indiana, spanning from Carmel to Rushville.
- Headquarters
- 1238 Broad St, New Castle, IN 47362
- FDIC certificate
- 13107 ↗
Branches
11 branches in Indiana
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Indiana
11 branches
New Castle area · 3
- Citizens State Bank of New Castle, IndianaMain office1238 Broad St, New Castle, IN 47362Directions
- Drive-In Branch1302 Broad St, New Castle, IN 47362Directions
- Raintree Branch1726 S Memorial Dr, New Castle, IN 47362Directions
Hartford City area · 2
- Walnut Street Branch1515 N Walnut St, Hartford City, IN 47348Directions
- Washington Street Branch222 W Washington St, Hartford City, IN 47348Directions
Carmel area · 1
- Carmel In Branch902 S Rangeline Rd, Carmel, IN 46032Directions
Fishers area · 1
- Fishers Branch9 Municipal Dr, Fishers, IN 46038Directions
Knightstown area · 1
- Knightstown Branch475 N Mccullum St, Knightstown, IN 46148Directions
Pendleton area · 1
- Pendleton Branch129 S Pendleton Ave, Pendleton, IN 46064Directions
Rushville area · 1
- Rushville Branch1802 N Main St, Rushville, IN 46173Directions
Union City area · 1
- Union City Branch204 W Oak St, Union City, IN 47390Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.45% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.40% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.06% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $74 | $81 | — |
- CapitalLeverage ratio10.45%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.40%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.06%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$74Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.