CITIZENS STATE BANK OF LULING

CITIZENS STATE BANK OF LULING is amn micro FDIC-insured commercial bank headquartered in LULING, TX, established in Jan. 2, 1914, midnight. As of 2025-12-31, the bank reported total assets of $63M and total deposits of $51M. Profitability stands at 0.79% ROA and 4.51% ROE, with a net interest margin of 6.01%. The bank's CET1 capital ratio is 18.35%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.86% and a Texas Ratio of 7.60%. FDIC Certificate #10327.