Citizens State Bank of Luling
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Data as of · sourced from FFIEC call reports. How we update
Citizens State Bank of Luling is an FDIC-insured commercial bank headquartered in Luling, TX, established in 1914 (FDIC certificate 10327), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $73.8M, up 6.3% from Q2 2025, the 324th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 21.53% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10327
- Headquarters
- Luling, TX
- Established
- 1914
- Total assets, Q2 2026
- $73.8M
- Assets vs Q2 2025
- +6.3%
- Tier 1 leverage ratio, Q2 2026
- 21.53%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 114916488
- Latest call report
- Q2 2026, FFIEC 051 · Citizens State Bank of Luling call report
- Holding company
- LULING BANCSHARES, INC.
- Asset rank in state
- 324th of 346 in Texas
Problem loans are rising at Citizens State Bank of Luling. The Luling, Texas bank had $74 million in assets at June 30, 2026, up 6.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.68% of loans from 1.24% a year earlier. It holds commercial real estate loans worth 1.5 times its capital, 5.6 times the median of 26% for the 583 banks with less than $100 million in assets. It also shrank its loan book 17.1% over the year, lower than about 9 in 10 banks its size (median 2.6%).
Earnings fell sharply: quarterly net income of $79,000 was 48% below a year earlier. Over the same year, loans shrank 17.1% and deposits grew 0.9%. Profitability lags: it returns 2.2% a year on shareholders' equity, a small fraction of the median of 8.6% for banks its size.
As of June 30, 2026, Citizens State Bank of Luling reported a return on assets of 0.44%, a nonperforming-loan ratio of 1.68% and a Texas ratio of 5.06%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Citizens State Bank of Luling is the 324th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 15.6% to $73.8M, loans fell 4.6% and deposits rose 8.5%. Non-owner-occupied commercial real estate loans made up 37.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 25.6%. The FDIC Summary of Deposits lists 2 offices for it, in Luling, TX and San Antonio, TX; its Luling office books 60% of its branch deposits. On its Q2 2026 call report, Citizens State Bank of Luling meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 S Magnolia Ave, Luling, TX 78648
- County
- Caldwell
- Metro Area
- Austin-Round Rock-San Marcos, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 2, 1914
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $55.4M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $71.3M
- Average total loans
- $48.4M
- Average interest-bearing deposits
- $35.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10327
- Fed RSSD
- 954653
- Website
- www.csbsa.com →
- Parent Holding Company
- LULING BANCSHARES, INC. (RSSD 6079419)
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Citizens State Bank of Luling reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens State Bank of Luling's total assets ranged from $63.1M (Q4 2025) to $73.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$73.8M total assets against $69.5M; $56.9M total liabilities against $58.1M.
$47.3M net loans and leases against $57.4M; $55.4M total deposits against $54.9M.
$6.0M securities against $6.8M; $14.6M cash and balances due against $3.8M.
-$39K total interest income against $1.1M; -$3K total interest expense against $137K.
-$36K net interest income against $922K.
$63K total noninterest income against $75K; -$52K total noninterest expense against $770K.
-$23K provision for credit losses against $31K.
$79K net income against $153K.
0.44% return on assets against 0.87%.
21.53% tier 1 leverage ratio against 17.06%.
Inside the full Citizens State Bank of Luling terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.44% (Q2 2026) to 1.52% (Q4 2024) and its net interest margin ran from 5.28% (Q3 2024) to 5.90% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.53% | 0.44% | 1.68% | 5.06% | — |
| Q1 2026 | 19.05% | 0.49% | 7.36% | 29.17% | 5.39% |
| Q4 2025 | 18.11% | 0.78% | 7.35% | 29.99% | 5.90% |
| Q3 2025 | 17.06% | 0.98% | 1.22% | 5.24% | 5.78% |
| Q2 2025 | 17.06% | 0.87% | 1.24% | 5.86% | 5.70% |
| Q1 2025 | 16.16% | 0.83% | 0.05% | 0.23% | 5.54% |
| Q4 2024 | 15.31% | 1.52% | 0.05% | 0.25% | 5.89% |
| Q3 2024 | 15.00% | 0.87% | 1.11% | 5.08% | 5.28% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens State Bank of Luling (main office) | Luling , TX | 78648 | $33.2M |
| Continental Branch | San Antonio , TX | 78201 | $22.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 21, 1989 | Structure Change | Acquired Continental National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 20, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 16, 1988 | Structure Change | Acquired River City Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 15, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 407 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens State Bank of Luling
What are Citizens State Bank of Luling's total assets?
As of the Q2 2026 filing, Citizens State Bank of Luling reported total assets of $73.8 million in its FFIEC call report.
Where is Citizens State Bank of Luling headquartered?
It is headquartered in Luling, TX, United States.
When was Citizens State Bank of Luling founded?
It was established in 1914, per the FDIC institution directory.
Is Citizens State Bank of Luling FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10327). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens State Bank of Luling?
Citizens State Bank of Luling's primary federal regulator is the FDIC.
How many branches does Citizens State Bank of Luling operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens State Bank of Luling's Texas Ratio?
Its Texas Ratio is 5.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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