BlastPoint's Banking Scorecard

Citizens State Bank of Luling

under $100M Specialty: Commercial TX FDIC cert 10327

Designations: ✓ Community bank

Luling, TX

2 branches across TX

541 banks in the under $100M peer group nationally 38 in TX

Citizens State Bank of Luling has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.42% above tier average
+ Efficiency Ratio 2.33% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 6.17% above tier average
- Loan-to-Deposit Ratio 33.05% above tier average
- Nonperforming Asset Ratio 5.08% above tier average
- ROA 0.34% below tier average

Get updates when Citizens State Bank of Luling releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$63.9M -7.4% YoY +1.2% QoQ	+$1.7M	$62.2M -0.6% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	50%
Total Loans ?	$49.7M -10.7% YoY -2.5% QoQ	+$15.4M	$34.2M -1.4% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	77%
Total Deposits ?	$51.1M -12.0% YoY -0.6% QoQ	-$664K	$51.7M -0.7% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	48%
Return on Assets ?	0.49% -41.8% YoY -44.7% QoQ	-0.34%	0.84% -2.3% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	29%
Net Interest Margin ?	5.28% -3.3% YoY -7.7% QoQ	+1.42%	3.86% +2.8% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 5.9% in tier
Efficiency Ratio ?	86.01% +8.7% YoY +11.6% QoQ	-2.33%	88.34% +0.3% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	26%
Delinquency Rate ?	7.54% +0.3% QoQ	+6.17%	1.37% +33.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 2.9% in tier
Loan-to-Deposit Ratio ?	97.26% +1.5% YoY -1.8% QoQ	+33.05%	64.22% -0.7% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Bottom 9.2% in tier
Non-Interest-Bearing Deposit Share ?	34.19% -13.0% YoY -1.0% QoQ	+10.47%	23.71% +0.3% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	85%
Nonperforming Asset Ratio ?	5.87% -3.3% QoQ	+5.08%	0.79% +28.2% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 1.8% in tier
Tier 1 Capital Ratio ?	19.05% +17.9% YoY +5.2% QoQ	-7.63%	26.68% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.13% +5.5% YoY -73.3% QoQ	-0.53%	0.67% +1.9% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	79%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 5.28%

Peer Median: 3.86%

#33 of 541 Top 5.9% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 34.19%

Peer Median: 23.71%

#84 of 541 Top 15.3% in under $100M

112

Non-Interest Income / Assets

revenue_mix

Value: 0.13%

Peer Median: 0.67%

#112 of 541 Top 20.5% in under $100M

128

Total Loans

size

Value: $49.68M

Peer Median: $34.25M

#128 of 541 Top 23.5% in under $100M

Top Weaknesses (3 metrics)

532

Nonperforming Asset Ratio

credit_quality

Value: 5.87%

Peer Median: 0.79%

#532 of 541 Bottom 1.8% in under $100M

507

Delinquency Rate

credit_quality

Value: 7.54%

Peer Median: 1.37%

#507 of 521 Bottom 2.9% in under $100M

492

Loan-to-Deposit Ratio

liquidity

Value: 97.26%

Peer Median: 64.22%

#492 of 541 Bottom 9.2% in under $100M