Citizens State Bank of Luling: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans to total assets dropped 13.95 percentage points in Q2 2026, from 79.69% to 65.75%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Citizens State Bank of Luling is 70th of 346 on loan-to-deposit ratio, 87.58% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Citizens State Bank of Luling sits 19.96 points higher, at 87.58% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $48.5M |
| Net loans and leases | $47.3M |
| Loans held for sale | $0 |
| Loans to total assets | 65.75% |
| Loan-to-deposit ratio | 87.58% |
| Net loans to equity capital | 2.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 62.55% |
| Multifamily (5+ residential) | 4.42% |
| Commercial and industrial | 8.27% |
| Consumer | 2.50% |
| Credit cards | 0.00% |
| Farm | 0.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 147.44% |
| Construction concentration (Tier 1 capital + allowance) | 22.90% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.77% |
| Interest income on loans | -$154K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $54.6M | $58.0M | 57.52% | 11.75% | 0.77% |
| Q4 2023 | $55.0M | $56.4M | 56.60% | 11.36% | 0.96% |
| Q1 2024 | $53.9M | $60.5M | 61.40% | 11.42% | 0.93% |
| Q2 2024 | $50.1M | $59.9M | 62.98% | 11.24% | 1.17% |
| Q3 2024 | $51.9M | $61.5M | 61.84% | 10.01% | 1.10% |
| Q4 2024 | $55.9M | $59.8M | 63.96% | 13.24% | 0.95% |
| Q1 2025 | $56.7M | $58.0M | 66.09% | 13.76% | 0.71% |
| Q2 2025 | $58.5M | $54.9M | 65.11% | 12.77% | 0.70% |
| Q3 2025 | $54.3M | $55.9M | 64.32% | 14.01% | 1.01% |
| Q4 2025 | $52.1M | $51.4M | 64.47% | 11.23% | 1.02% |
| Q1 2026 | $50.9M | $51.1M | 64.07% | 10.53% | 1.62% |
| Q2 2026 | $48.5M | $55.4M | 62.55% | 8.27% | 2.50% |
Citizens State Bank of Luling loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of Luling, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens State Bank of Luling profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10327) · FFIEC NIC profile (RSSD 954653)