Side-by-side · Q2 2026 data
Citizens State Bank of Luling vs First State Bank of San Diego
Metric by metric
| Measure | Citizens State Bank of Luling | First State Bank of San Diego |
|---|---|---|
| TellerScore | 69 (stronger) | 36 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 44 (stronger) | 12 |
| Earnings | 39 (stronger) | 0 |
| Funding & liquidity | 75 | 85 (stronger) |
| Problem-loan coverage | 91 (stronger) | 87 |
| Peer percentile | 37th | 2nd |
| Total assets | $73.8M | $68.2M |
| Deposits / shares | $55.4M | $61.9M |
| Capital ratio | 21.53% (stronger) | 9.02% |
| Problem loans | 1.68% (stronger) | 2.65% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.47% (stronger) | -0.55% |
| Loans ÷ deposits | 85.4% | 24.1% (stronger) |
| Uninsured deposits | 11.5% (stronger) | 29.1% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank of Luling has the higher TellerScore (69 vs 36). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Luling leads on 5 and First State Bank of San Diego on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.