Headquartered in Luling, Texas, Citizens State Bank of Luling is a state-chartered bank with $73.8M in total assets and $55.4M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1914.
Citizens State Bank of Luling has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 238th. Capital cushion contributes the most (100/100, 21.53%); earnings contributes the least (39/100, 0.47%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (73 → 69), mostly because the funding & liquidity component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 78 |
| Q4 2024 | 87 |
| Q1 2025 | 85 |
| Q2 2025 | 73 |
| Q3 2025 | 75 |
| Q4 2025 | 54 |
| Q1 2026 | 52 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.03% |
| Q3 2024 | 15.00% |
| Q4 2024 | 15.31% |
| Q1 2025 | 16.16% |
| Q2 2025 | 17.06% |
| Q3 2025 | 17.06% |
| Q4 2025 | 18.11% |
| Q1 2026 | 19.05% |
| Q2 2026 | 21.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.19% |
| Q3 2024 | 1.11% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.05% |
| Q2 2025 | 1.24% |
| Q3 2025 | 1.22% |
| Q4 2025 | 7.35% |
| Q1 2026 | 7.36% |
| Q2 2026 | 1.68% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.89% |
| Q3 2024 | 0.89% |
| Q4 2024 | 1.07% |
| Q1 2025 | 0.84% |
| Q2 2025 | 0.86% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.89% |
| Q1 2026 | 0.49% |
| Q2 2026 | 0.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $73.8M | 21.53% | 1.68% | 0.47% | 85.4% |
| Q1 2026 | 52 | $63.9M | 19.05% | 7.36% | 0.49% | 97.3% |
| Q4 2025 | 54 | $63.1M | 18.11% | 7.35% | 0.89% | 99.1% |
| Q3 2025 | 75 | $67.7M | 17.06% | 1.22% | 0.91% | 95.1% |
| Q2 2025 | 73 | $69.5M | 17.06% | 1.24% | 0.86% | 104.6% |
| Q1 2025 | 85 | $69.0M | 16.16% | 0.05% | 0.84% | 95.9% |
| Q4 2024 | 87 | $70.4M | 15.31% | 0.05% | 1.07% | 91.6% |
| Q3 2024 | 78 | $72.1M | 15.00% | 1.11% | 0.89% | 82.6% |
| Q2 2024 | 77 | $69.9M | 15.03% | 1.19% | 0.89% | 81.7% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Haskell National BankBank Haskell, TX | 88 out of 100, Very strong | $72.6M | 13.6% | 0.00% | vs |
| Citizens National Bank of CrosbytonBank Crosbyton, TX | 98 out of 100, Very strong | $77.6M | 16.8% | 0.00% | vs |
| First National Bank of South Padre IslandBank South Padre Island, TX | 84 out of 100, Strong | $78.2M | 14.1% | 1.24% | vs |
| Pavillion BankBank Richardson, TX | 84 out of 100, Strong | $78.4M | 15.5% | 0.00% | vs |
| Zavala County BankBank Crystal City, TX | 93 out of 100, Very strong | $79.0M | 15.7% | 0.03% | vs |
| The First National Bank in FalfurriasBank Falfurrias, TX | 79 out of 100, Strong | $79.4M | 9.8% | 0.08% | vs |
Deposit insurance
Is my money safe at Citizens State Bank of Luling?
Yes. Citizens State Bank of Luling is an FDIC-insured institution (FDIC certificate #10327). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.5% of deposits ($6.4M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 21.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Citizens State Bank of Luling lists 2 offices in 2 cities. Most locations:
- Luling, TX (1)
- San Antonio, TX (1)
Identity & history
Profile
- Legal name
- Citizens State Bank of Luling
- Type
- State-chartered bank
- FDIC certificate #
- 10327
- RSSD ID
- 954653
- Primary regulator
- FDIC
- Holding company
- Luling Bancshares Inc
- Established
- January 2, 1914
- Headquarters
- 200 S Magnolia Ave, Luling, TX 78648
- Website
- www.csbsa.com
- Employees
- 20
Quick answers
Citizens State Bank of Luling: common questions
Is Citizens State Bank of Luling FDIC insured?
Yes. Citizens State Bank of Luling is an FDIC-insured institution (FDIC certificate #10327). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank of Luling's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens State Bank of Luling ever failed?
There is no failure record for FDIC certificate #10327 in the FDIC failed bank list.
How many branches does Citizens State Bank of Luling have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Luling
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Schertz Bank & TrustBank Schertz, TX | 90 out of 100, Very strong | $770.1M | 15.2% | 0.05% | vs |
| Broadway National BankBank San Antonio, TX | 79 out of 100, Strong | $5.4B | 10.9% | 0.19% | vs |
| Ozona BankBank Ozona, TX | 79 out of 100, Strong | $346.1M | 12.3% | 0.00% | vs |
| Austin Telco Federal Credit UnionCredit union Austin, TX | 78 out of 100, Strong | $2.5B | 14.0% | 0.35% | vs |
| SouthStar Bank, S.S.B.Bank Moulton, TX | 77 out of 100, Strong | $1.4B | 13.3% | 0.62% | vs |
| Sage Capital Bank,Bank Gonzales, TX | 76 out of 100, Strong | $768.9M | 10.4% | 0.01% | vs |