Side-by-side · Q2 2026 data
Ozona Bank vs Citizens State Bank of Luling
Metric by metric
| Measure | Ozona Bank | Citizens State Bank of Luling |
|---|---|---|
| TellerScore | 79 (stronger) | 69 |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 100 (stronger) | 44 |
| Earnings | 47 (stronger) | 39 |
| Funding & liquidity | 83 (stronger) | 75 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 75th | 37th |
| Total assets | $346.1M | $73.8M |
| Deposits / shares | $282.8M | $55.4M |
| Capital ratio | 12.31% | 21.53% (stronger) |
| Problem loans | 0.00% (stronger) | 1.68% |
| Net charge-offs | 0.03% | 0.02% (stronger) |
| Return on assets | 0.68% (stronger) | 0.47% |
| Loans ÷ deposits | 62.4% (stronger) | 85.4% |
| Uninsured deposits | 28.0% | 11.5% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ozona Bank has the higher TellerScore (79 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Ozona Bank leads on 4 and Citizens State Bank of Luling on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.