Centrebank vs Citizens Stb New Castle
Side-by-side bank health comparison using FDIC financial data
Centrebank (A) and Citizens Stb New Castle (A) are close on the BankHealth rubric. Asset bases: $99M versus $790M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Centrebank has a stronger Bank Health Score of 97/100 (A) compared to Citizens Stb New Castle at 96/100 (A), a difference of 1 points. Centrebank holds a Tier 1 capital ratio of 17.0% and an NPL ratio of 0.23%.
| Metric | Centrebank | Citizens Stb New Castle |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 97/100 (A)* | 96/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 17.0%* | 16.5% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.2% | 0.2%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 28.3% | 38.5%* |
| Return on Assets Profitability metric (above 1% is strong) | 2.8%* | 1.1% |
| Total Assets | $99M | $790M |
| Total Deposits | $81M | $680M |
| Location | Veedersburg, Indiana | New Castle, Indiana |
Centrebank has a stronger Bank Health Score of 97/100 (A) compared to Citizens Stb New Castle at 96/100 (A), a difference of 1 points. Centrebank holds a Tier 1 capital ratio of 17.0% and an NPL ratio of 0.23%.