New Carlisle Federal Savings Bank is headquartered in New Carlisle and is the 108th largest bank in the state of Ohio. It is also the 3,395th largest bank in the nation. It was established in 1883 and as of December of 2020, it had grown to 34 employees at 4 locations. New Carlisle Federal Savings Bank's savings rates are 2X the national average, and it has a B+ health rating.
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A friendly small town bank
My experience with this bank has been pretty good. The staff are friendly and know you by name. They remember you and are always pleasant. However, it's expensive to use ATMs that aren't their own...which there is only one ATM in my town and the surrounding area that I can use. So every time I need to use an ATM I have to pay a fee. Their hours are pretty bad, and as a third shift worker, it is difficult to visit them in person. If there's a problem, you have to wait til the next day to call them, and they aren't open at all on Sundays. Their website is good for the most part. I do most transactions with my debit card. However, the website goes down a lot at night, which is frustrating. When it comes to competitive products, they lack what many other bigger banks offer. For example, so banks let you take a picture of your check and then it get deposited. But my bank doesn't offer that, they are pretty old school. Also, they took away my savings account because I withdrew from it too much and made it a second checking account. They caused me to be late on a credit card payment because they canceled an automatic withdraw from my checking account without telling me or contacting me. Still, it's close to where I live, the staff are friendly, I haven't had any problems with security, so I'd say overall it's a decent bank to use.
Don't Waste Your Time
Non professional employees. Not helpful, condescending and dismissive.
Data as of Q4 2020
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 29173 |
| Year Established | 1883 |
| Employees | 34 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.06% |
| Return on Equity - YTD | 12.09% |
| Annual Interest Income | $6.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2020vs Q4 2019 | $160.5MM$133.2MM |
| Loans | Q4 2020vs Q4 2019 | $132.0MM$113.7MM |
| Deposits | Q4 2020vs Q4 2019 | $113.6MM$93.4MM |
| Equity Capital | Q4 2020vs Q4 2019 | $14.4MM$12.8MM |
| Loan Loss Allowance | Q4 2020vs Q4 2019 | $1.2MM$1.1MM |
| Unbacked Noncurrent Loans | Q4 2020vs Q4 2019 | $1.7MM$590.00K |
| Real Estate Owned | Q4 2020vs Q4 2019 | $0$0 |