Citizens State Bank of Luling: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 115.94 percentage points higher than in Q1 2026, at 148.28%. Citizens State Bank of Luling has the 31st lowest return on assets of the 345 banks headquartered in Texas, at 0.44% as of Q2 2026. Citizens State Bank of Luling's return on assets of 0.44% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.53 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 21.53% |
| Equity capital to assets | 22.88% |
| Tangible equity to tangible assets | 20.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.68% |
| Non-performing assets ratio | 1.10% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 5.06% |
| Allowance for credit losses to loans | 2.49% |
| Reserve coverage of non-performing loans | 148.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.44% |
| Return on equity | 2.22% |
| Net interest margin | 4.72% |
| Efficiency ratio | -337.79% |
| Yield on earning assets | 5.36% |
| Cost of funds | -0.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.58% |
| Core deposits to total deposits | 95.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 75.07% |
| Securities to assets | 8.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.97% | 0.79% | 5.08% | 0.06% | 0.00% |
| Q4 2023 | 15.15% | 0.66% | 5.04% | 0.06% | 0.00% |
| Q1 2024 | 15.00% | 0.84% | 5.25% | 0.06% | 0.01% |
| Q2 2024 | 15.03% | 0.88% | 5.19% | 1.19% | 0.02% |
| Q3 2024 | 15.00% | 0.87% | 5.28% | 1.11% | 0.00% |
| Q4 2024 | 15.31% | 1.52% | 5.89% | 0.05% | 0.00% |
| Q1 2025 | 16.16% | 0.83% | 5.54% | 0.05% | 0.01% |
| Q2 2025 | 17.06% | 0.87% | 5.70% | 0.78% | 0.01% |
| Q3 2025 | 17.06% | 0.98% | 5.78% | 6.48% | -0.01% |
| Q4 2025 | 18.11% | 0.78% | 5.90% | 7.35% | 0.00% |
| Q1 2026 | 19.05% | 0.49% | 5.39% | 7.36% | 0.00% |
| Q2 2026 | 21.53% | 0.44% | 4.72% | 1.68% | 0.04% |
Citizens State Bank of Luling vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of Luling, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)