Side-by-side · Q2 2026 data
Citizens State Bank of Luling vs Zavala County Bank
Metric by metric
| Measure | Citizens State Bank of Luling | Zavala County Bank |
|---|---|---|
| TellerScore | 69 | 93 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 44 | 99 (stronger) |
| Earnings | 39 | 80 (stronger) |
| Funding & liquidity | 75 | 81 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 37th | 94th |
| Total assets | $73.8M | $79.0M |
| Deposits / shares | $55.4M | $69.5M |
| Capital ratio | 21.53% (stronger) | 15.75% |
| Problem loans | 1.68% | 0.03% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.09% |
| Return on assets | 0.47% | 1.51% (stronger) |
| Loans ÷ deposits | 85.4% | 8.9% (stronger) |
| Uninsured deposits | 11.5% (stronger) | 31.9% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Zavala County Bank has the higher TellerScore (93 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Luling leads on 3 and Zavala County Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.