Citizens State Bank of Luling: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens State Bank of Luling of Luling, TX against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.44% | 3.14% | -2.70% | 24th bottom |
| ROAE | 2.22% | 10.43% | -8.21% | 20th bottom |
| Net Interest Margin | 4.72% | 3.93% | +0.79% | 80th top |
| Efficiency Ratio | -337.79% | 77.13% | -414.92% | 100th top |
| PPNR / Avg Assets | 0.44% | 1.40% | -0.96% | 18th bottom |
| Yield on Earning Assets | 5.36% | 5.35% | +0.01% | 56th above |
| Cost of Funds | -0.02% | 1.71% | -1.73% | 100th top |
| Net Interest Spread | 5.39% | 3.31% | +2.08% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.68% | 1.34% | +0.34% | 21st bottom |
| NPA / Total Assets | 1.10% | 0.71% | +0.39% | 18th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.11% | -0.07% | 20th bottom |
| ACL / Total Loans | 2.49% | 1.48% | +1.01% | 89th top |
| ACL / NPLs (Coverage) | 148.28% | 866.32% | -718.04% | 49th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.06% | 8.26% | -3.20% | 34th below |
| Provision / NCO | 0.00% | 315.95% | -315.95% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 21.53% | 17.60% | +3.93% | 82nd top |
| Equity / Assets | 22.88% | 16.41% | +6.47% | 84th top |
| TCE / Tangible Assets | 20.71% | 16.17% | +4.54% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.58% | 72.80% | +14.78% | 21st bottom |
| Core Deposit Ratio | 95.78% | 88.20% | +7.58% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.26% | 4.30% | +1.96% | 69th above |
| Loan Growth (Y/Y) | -17.10% | 6.77% | -23.87% | 3rd bottom |
| Deposit Growth (Y/Y) | 0.90% | 3.78% | -2.88% | 43rd below |
See Citizens State Bank of Luling's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens State Bank of Luling, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens State Bank of Luling profile, how to read a UBPR, or how this data updates.