CITIZENS STATE BANK OF LULING is an 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%. CET1 capital ratio: 18.35%, well above regulatory minimums. NPL ratio: 1.86% · Texas Ratio: 7.60%. Operates 2 domestic branches.
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