TOWN FINANCIAL CORP is the parent banking group. CITIZENS STATE BANK OF NEW CASTLE, INDIANA is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

TOWN FINANCIAL CORP

Legal name: TOWN FINANCIAL CORPORATION

1 active bank · 3 merged/absorbed · $896M combined assets

RSSD ID: 1200405 (FFIEC NIC)

Combined Assets

$896M

CRA Rating Summary

Satisfactory1charter

Across all 20 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCITIZENS STATE BANK OF NEW CASTLE, INDIANANEW CASTLE, INSatisfactory$896MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$896M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$784M

Net Income

$2M

ROA (avg)

0.95%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

163

Origination Rate

61.35%

Denial Rate

19.02%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CITIZENS STATE BANK OF NEW CASTLE, INDIANA	NEW CASTLE, IN	FDIC	$896M	100.0%	Satisfactory	Jun 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.