Bank Comparison
The State Bank of Pearl City vs Citizens State Bank of Luling
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 7
winning metrics across 13 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | The State Bank of Pearl City | Citizens State Bank of Luling |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.31% | 21.53% |
| Equity / Assets | 10.11% | 22.88% |
Profitability
| Metric | The State Bank of Pearl City | Citizens State Bank of Luling |
|---|---|---|
| Return on Assets (ROA) | 1.04% | 0.44% |
| Return on Equity (ROE) | 9.94% | 2.22% |
| Net Interest Margin (NIM) | 3.85% | 4.72% |
| Yield on Earning Assets | 5.02% | 5.36% |
| Cost of Funds | 1.24% | -0.02% |
Asset quality
| Metric | The State Bank of Pearl City | Citizens State Bank of Luling |
|---|---|---|
| Texas Ratio | 2.76% | 5.06% |
| Non-Performing Loan Ratio | 0.69% | 1.68% |
| Non-Performing Asset Ratio | 0.31% | 1.10% |
| Net Charge-Off Ratio | -1.47% | 0.04% |
| ACL / Loans | 2.38% | 2.49% |
Balance sheet
| Metric | The State Bank of Pearl City | Citizens State Bank of Luling |
|---|---|---|
| Total Assets | $73.4M | $73.8M |
| Total Deposits | $65.7M | $55.4M |
| Total Loans | $32.6M | $48.5M |
| Total Equity | $7.4M | $16.9M |
| Net Income (quarter) | $182K | $79K |
Liquidity & funding
| Metric | The State Bank of Pearl City | Citizens State Bank of Luling |
|---|---|---|
| Loan-to-Deposit Ratio | 49.56% | 87.58% |
| Core Deposit Ratio | 94.79% | 95.78% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The State Bank of Pearl City | Citizens State Bank of Luling |
|---|---|---|
| Headquarters City | Pearl City | Luling |
| Headquarters State | IL | TX |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 12 | 20 |
| Established | December 8, 1945 | January 2, 1914 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full The State Bank of Pearl City profile | View full Citizens State Bank of Luling profile | Browse all bank comparisons