Side-by-side · Q2 2026 data
Citizens State Bank of Luling vs First National Bank of South Padre Island
Bank
First National Bank of South Padre Island
South Padre Island, Texas · Under $100 million in assets
Metric by metric
| Measure | Citizens State Bank of Luling | First National Bank of South Padre Island |
|---|---|---|
| TellerScore | 69 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 91 |
| Loan quality | 44 | 59 (stronger) |
| Earnings | 39 | 100 (stronger) |
| Funding & liquidity | 75 | 88 (stronger) |
| Problem-loan coverage | 91 | 92 (stronger) |
| Peer percentile | 37th | 76th |
| Total assets | $73.8M | $78.2M |
| Deposits / shares | $55.4M | $67.1M |
| Capital ratio | 21.53% (stronger) | 14.13% |
| Problem loans | 1.68% | 1.24% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.47% | 2.27% (stronger) |
| Loans ÷ deposits | 85.4% | 57.2% (stronger) |
| Uninsured deposits | 11.5% (stronger) | 26.2% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of South Padre Island has the higher TellerScore (84 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Luling leads on 2 and First National Bank of South Padre Island on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.