Total Assets
$73.8M
Total Deposits
$55.4M
Branches
2
Established
1914
Citizens State Bank of Luling is a bank headquartered in Luling, Texas, established in 1914. It holds $73.8M in total assets across 2 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Citizens State Bank of Luling earns a TFS Financial Health Grade of B- (74.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
74.5 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Citizens State Bank of LulingHQ | 200 S Magnolia Ave | Luling | TX | 11 |
| Citizens State Bank of Luling | 1300 W Hildebrand Ave | San Antonio | TX | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
74.5
Tier 1 capital ratio
21.53%
Return on assets
0.47%
Non-performing loans
1.68%
Efficiency ratio
73.08%
Asset growth (YoY)
6.26%
Suggested direct comparisons
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South Padre Island, TX
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.