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Citizens State Bank of Luling Locations & Branches Luling, Texas
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Citizens State Bank of Luling operates 2 branches from its headquarters in Luling, TX, .
Citizens State Bank of Luling branch network
Both branches are in TEXAS, across 2 cities. Its largest office by deposits is its main office in Luling, TX, with $33.2M (59.9% of its branch deposits). It had the same number of branches on June 30, 2025.
Citizens State Bank of Luling at a glance
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.
- Total assets, Q2 2026
- $73.8M
- Tier 1 leverage ratio, Q2 2026
- 21.53%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1914
Full financial profile · Is Citizens State Bank of Luling safe? · Citizens State Bank of Luling call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Luling, TX (1 branch) | 3 of 3 | 27.4% | $33.2M |
| State: TX (2 branches) | 407 of 441 | <0.1% | $55.4M |
Ranked by total assets among banks headquartered in the state: Largest banks in Texas.
Share by county and metro area
Citizens State Bank of Luling's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Caldwell, TX (1 branch) | 5 of 6 | 5.9% | $33.2M | $558.6M |
| Bexar, TX (1 branch) | 44 of 50 | <0.1% | $22.2M | $164.05B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Austin-Round Rock-Georgetown, TX (1 branch) | 64 of 73 | <0.1% | $33.2M | $70.41B |
| San Antonio-New Braunfels, TX (1 branch) | 62 of 65 | <0.1% | $22.2M | $174.95B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens State Bank of Luling (main office) | Luling, TX | 78648 | $33.2M |
| Continental Branch | San Antonio, TX | 78201 | $22.2M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 10327) · FFIEC NIC profile (RSSD 954653)