Side-by-side · Q2 2026 data
Citizens State Bank of Luling vs SouthStar Bank, S.S.B.
Metric by metric
| Measure | Citizens State Bank of Luling | SouthStar Bank, S.S.B. |
|---|---|---|
| TellerScore | 69 | 77 (stronger) |
| Capital cushion | 100 (stronger) | 83 |
| Loan quality | 44 | 79 (stronger) |
| Earnings | 39 | 82 (stronger) |
| Funding & liquidity | 75 (stronger) | 47 |
| Problem-loan coverage | 91 (stronger) | 87 |
| Peer percentile | 37th | 83rd |
| Total assets | $73.8M | $1.4B |
| Deposits / shares | $55.4M | $1.1B |
| Capital ratio | 21.53% (stronger) | 13.28% |
| Problem loans | 1.68% | 0.62% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.07% |
| Return on assets | 0.47% | 1.55% (stronger) |
| Loans ÷ deposits | 85.4% (stronger) | 91.9% |
| Uninsured deposits | 11.5% (stronger) | 34.2% |
| Offices | 2 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.5% |
SouthStar Bank, S.S.B. has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Luling leads on 4 and SouthStar Bank, S.S.B. on 3. 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.