Side-by-side · Q2 2026 data
Citizens State Bank of Luling vs Schertz Bank & Trust
Metric by metric
| Measure | Citizens State Bank of Luling | Schertz Bank & Trust |
|---|---|---|
| TellerScore | 69 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 44 | 98 (stronger) |
| Earnings | 39 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 42 |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 37th | 95th |
| Total assets | $73.8M | $770.1M |
| Deposits / shares | $55.4M | $651.4M |
| Capital ratio | 21.53% (stronger) | 15.17% |
| Problem loans | 1.68% | 0.05% (stronger) |
| Net charge-offs | 0.02% | -0.02% (stronger) |
| Return on assets | 0.47% | 2.02% (stronger) |
| Loans ÷ deposits | 85.4% (stronger) | 93.2% |
| Uninsured deposits | 11.5% (stronger) | 38.0% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Schertz Bank & Trust has the higher TellerScore (90 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Luling leads on 3 and Schertz Bank & Trust on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.