Citizens State Bank of Luling
Luling, TX
IDRSSD: 954653
Total Assets
$63.13M
Latest filing
Total Deposits
$51.41M
Latest filing
Net Interest Margin
5.87%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank of Luling
200 S Magnolia Ave
Luling, TX 78648
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/02/1914FDIC Certificate 6616
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank of Luling (Main) | 200 S Magnolia Ave | Luling, TX |
| CONTINENTAL BRANCH | 1300 W Hildebrand Ave | San Antonio, TX |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/02/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78648 |
| State and County Number | 48055 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Austin-Round Rock-Georgetown, TX |
Operational Info
| Number of Employees | 20 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.csbsa.com |
| Data Updated | 01/30/2026 |
| CERT | 10327 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $63.13M |
| Total Deposits | $51.41M |
| Total Liabilities | $51.55M |
| Total Equity Capital | $11.58M |
| Net Income | $130.00k |
| Net Loans and Leases | $50.93M |
| Assets Per Employee ($Millions) | $3.32M |
| Bank Premises and Fixed Assets | $565.00k |
| Cash and Balances due from Depository Institutions | $4.18M |
| Deposits Held in Domestic Offices | $51.41M |
Key Performance Ratios
| Return on Assets (ROA) | 0.79% |
| Return on Equity (ROE) | 4.51% |
| Net Interest Margin | 5.87% |
| Efficiency Ratio | 76.62% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.37% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.345% |
| Earning Assets to total Assets | 94.14% |
Income and Expense
| Total Interest Income | $1.02M |
| Total Noninterest Income | $66.00k |
| Total Interest Expense | $117.00k |
| Total Noninterest Expense | $744.00k |
| Net Interest Income | $905.00k |
| Pre-tax Net Operating Income | $167.00k |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $142.00k |
| Total Liabilities and Capital | $63.13M |
Securities
| Securities | $6.48M |
| Available-for-sale debt securities | $6.48M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens State Bank of Luling?
$63.13M as of the latest filing.
How much are Citizens State Bank of Luling's total deposits?
$51.41M in total deposits.
Where is Citizens State Bank of Luling located?
Luling, TX.
What is the Net Interest Margin?
5.87%.
How many domestic offices does it operate?
2.
When was it established?
01/02/1914.
What is the Return on Assets (ROA)?
0.79%.
How much are total loans and leases?
$50.93M (latest filing).
What is the total interest income (latest filing)?
$1.02M.