Citizens State Bank of New Castle, Indiana on Your Credit Report
In short: Citizens State Bank of New Castle, Indiana is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, operating from New Castle, IN on a charter established in 1873. FDIC certificate 13107 records 10 FDIC-reported offices and $909 million in total assets on the 06/30/2026 call report. An account reported by Citizens State Bank of New Castle, Indiana is furnished by the bank itself, so your FCRA §623 rights attach to Citizens State Bank of New Castle, Indiana directly, in addition to the §611 route through Equifax, Experian and TransUnion. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Citizens State Bank of New Castle, Indiana actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Citizens State Bank of New Castle, Indiana is a 153-year-old IN institution chartered July 3, 1873, operating 10 FDIC-reported offices with $909 million in total assets as of the 06/30/2026 call report, under FDIC certificate 13107.
How Citizens State Bank of New Castle, Indiana appears on your credit report
Disputing a Citizens State Bank of New Castle, Indiana tradeline is not the same as disputing one from a national issuer. With $909 million in assets across 10 offices, the bank's credit reporting is handled by far fewer people than at a large card company, so a well-documented letter frequently reaches someone with authority to correct the record rather than a scripted queue. A short, specific letter that points to one incorrect field usually gets a cleaner response than a broad demand to remove the account.
Names it may report under
Products that commonly show up
- ◆Agricultural operating lines carried on the owner’s personal file
- ◆Co-signed family and student-support loans
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
Grounds to dispute a Citizens State Bank of New Castle, Indiana entry
Each of these is a reason a Citizens State Bank of New Castle, Indiana tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan personally pledged by the owner reporting on the personal file without the pledge in place
- ◆Branch-acquired account duplicated under both the old and new bank name
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Citizens State Bank of New Castle, Indiana is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Citizens State Bank of New Castle, Indiana has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Citizens State Bank of New Castle, Indiana a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Citizens State Bank of New Castle, Indiana questions, answered
Is Citizens State Bank of New Castle, Indiana FDIC-insured, and what is its certificate number?
Yes. Citizens State Bank of New Castle, Indiana holds FDIC certificate 13107. The FDIC record shows a charter established July 3, 1873, headquarters in New Castle, IN, and 10 FDIC-reported offices with $909 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates Citizens State Bank of New Castle, Indiana, and where do I escalate if a dispute fails?
Citizens State Bank of New Castle, Indiana is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Citizens State Bank of New Castle, Indiana?
None that can be attributed with confidence. Citizens State Bank of New Castle, Indiana does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 10-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Citizens State Bank of New Castle, Indiana would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a Citizens State Bank of New Castle, Indiana charge-off stay on my credit report?
A charged-off Citizens State Bank of New Castle, Indiana account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date Citizens State Bank of New Castle, Indiana charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with Citizens State Bank of New Castle, Indiana and disputing with a collector?
The records live in different places. Citizens State Bank of New Castle, Indiana originated the account in New Castle, so it holds the signed documents and the posting history; a collector works from a data file. That is why disputing the Citizens State Bank of New Castle, Indiana tradeline directly under FCRA §623 can surface proof that a collector could not produce.
Does Citizens State Bank of New Castle, Indiana report to all three credit bureaus?
Most banks in this asset range do, but it is not automatic. Reporting is voluntary under the FCRA, and a bank the size of Citizens State Bank of New Castle, Indiana — 10 offices, $909 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a Citizens State Bank of New Castle, Indiana account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
Citizens State Bank of New Castle, Indiana was acquired or changed names — why does my report show two accounts?
A rebrand or merger is the usual explanation. A converted Citizens State Bank of New Castle, Indiana account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1873, core-system conversions are the usual cause.
Can I dispute Citizens State Bank of New Castle, Indiana reporting myself, without paying anyone?
Yes — the law puts this in your hands at no charge. Disputes to Citizens State Bank of New Castle, Indiana under §623 and to the bureaus under §611 cost nothing but postage. Anyone promising certain deletion or a point gain is overstating what the process can deliver; results vary case by case.
What should I check first on Citizens State Bank of New Castle, Indiana reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 153-year-old lender like Citizens State Bank of New Castle, Indiana, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Citizens State Bank of New Castle, Indiana; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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