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Citizens State Bank Of Luling
Luling, TX · FDIC Certificate #10327 · Chartered 01/0
Total assets
$73.82M
Total deposits
$55.42M
Total equity
$16.89M
Net loans
$47.33M
Branches (offices)
2
Net income (YTD)
$157.00K
Rank: #3,882 of 4,213 U.S. banks by assets · #324 of 346 in Texas. Assets changed 6.3% and deposits 0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.47% |
| Return on equity | 2.35% |
| Net interest margin (YTD) | 2.45% |
| Equity to assets | 22.88% |
| Tier 1 leverage ratio | 21.53% |
| Uninsured deposits (share of deposits) | 11.5% |
| Noncurrent loans (share of loans) | 1.68% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 85.4% |
| Real estate loans (share of loans) | 91.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $43.22M | 91.3% | |
| Commercial & industrial | $4.01M | 8.5% | |
| Consumer / individual | $1.21M | 2.6% | |
| Construction & development | $3.69M | 7.8% | |
| Agricultural | $69.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $74.70M | $64.69M | $207.00K | $9.97M |
| Jun 2023 | $69.20M | $57.75M | $280.00K | $9.33M |
| Jun 2024 | $69.92M | $59.90M | $309.00K | $9.87M |
| Jun 2025 | $69.47M | $54.92M | $300.00K | $11.33M |
| Jun 2026 | $73.82M | $55.42M | $157.00K | $16.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $55.42M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $55.42M.
Similar-sized banks
Union State Bank ($73.85M) · The First National Bank Of Brooksville ($73.65M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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