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New Carlisle Federal Savings Bank

New Carlisle, OhioFDIC Cert #29173

OCCEstablished 18833 branches

Holding company: Not reportedRegulator: OCC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
0.93%
+5.8%y/y
Peer standing78th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNETINC + ROA
ROE
11.39%
+7.9%y/y
Peer standing89th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNETINC + ROE
Pretax ROA
1.16%
+8.0%y/y
Peer standing74th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICPTAXNETINC + ASSET
NIM
3.82%
+6.8%y/y
Peer standing78th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNIM + NIMY
Earning yield
6.49%
+3.2%y/y
Peer standing95th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICINTINCY
IB deposit cost
3.71%
−14.3%y/y
Peer standing6th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
63.60%
−8.4%y/y
Peer standing81st percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
2.52%
−1.9%y/y
Peer standing60th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNONIX + ASSET
Fee share
7.82%
−6.8%y/y
Percentile by value33rd percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNONII + NIM
Assets YoY
+14.94%
+9.4%y/y
Percentile by value96th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICASSET
Deposits YoY
+25.83%
+58.7%y/y
Percentile by value99th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICDEP
Loans YoY
+16.11%
+20.1%y/y
Percentile by value94th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
78th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.08%Median 0.62%90th 1.27%Observations 152
ROE
FDICNETINC + ROE
88th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 0.81%Median 5.10%90th 11.70%Observations 152
NIM
FDICNIM + NIMY
78th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.32%Median 3.27%90th 4.17%Observations 152
Efficiency
FDICNONIX + NIM + NONII + EEFFR
81st percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 57.00%Median 78.14%90th 96.23%Observations 152
Deposits YoY
FDICDEP
98th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −2.99%Median +3.06%90th +10.97%Observations 152
Loans YoY
FDICLNLSNET
93rd percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −2.45%Median +4.37%90th +13.07%Observations 151
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
86th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.03%Median 0.40%90th 1.81%Observations 151
Leverage
FDICRBC1AAJ
2nd percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.69%Median 11.69%90th 19.02%Observations 152

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
6th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.62%Median 2.50%90th 3.50%Observations 151
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
81st percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 19%Median 126%90th 290%Observations 98

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.