BlastPoint's Banking Scorecard
Citizens State Bank of Luling
Designations: ✓ Community bank
Luling, TX
2 branches across TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits +0.9% year over year ($55.4M on the books).
- Delinquency rate 1.72%.
- Return on assets 0.47%.
- Efficiency ratio 73.08% vs a 119.40% peer average.
- Loan-to-deposit ratio 85.40% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens State Bank of Luling has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 46.31% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.47% below tier average
- - ROA 0.53% below tier average
- - Delinquency Rate 0.24% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$73.8M
+6.3% YoY
+15.6% QoQ
|
+$11.4M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$47.3M
-17.6% YoY
-4.7% QoQ
|
+$12.4M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
73% |
| Total Deposits ? |
$55.4M
+0.9% YoY
+8.5% QoQ
|
+$3.8M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
53% |
| Return on Assets ? |
0.47%
-45.6% YoY
-4.5% QoQ
|
-0.53% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
2.45%
-55.9% YoY
-53.7% QoQ
|
-1.47% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 6.3% in tier |
| Efficiency Ratio ? |
73.08%
-6.5% YoY
-15.0% QoQ
|
-46.31% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
1.72%
+35.7% YoY
-77.2% QoQ
|
+0.24% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
85.40%
-18.3% YoY
-12.2% QoQ
|
+11.19% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
36.63%
-1.8% YoY
+7.1% QoQ
|
+13.14% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 12.1% in tier |
| Nonperforming Asset Ratio ? |
1.10%
+5.2% YoY
-81.2% QoQ
|
+0.27% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
21.53%
+26.2% YoY
+13.0% QoQ
|
-5.60% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.20%
-14.1% YoY
+51.4% QoQ
|
-1.18% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
70% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
36.6%
-0.7pp YoY +2.4pp QoQ |
+12.0pp | 24.6% | 29.2% | 22.2% | 87% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.5%
-4.5pp YoY -2.3pp QoQ |
-4.9pp | 13.4% | 14.8% | 12.5% | 43% |
| CRE |
76.5%
+2.8pp YoY +1.7pp QoQ |
+51.2pp | 25.2% | 48.4% | 41.4% | 98% |
| 1-4 Family |
14.5%
+0.6pp YoY -0.2pp QoQ |
-20.4pp | 35.0% | 25.8% | 31.3% | 29% |
| Consumer |
2.6%
+1.8pp YoY +0.9pp QoQ |
-5.1pp | 7.7% | 4.7% | 5.0% | 26% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
21.5%
+4.5pp YoY +2.5pp QoQ |
+3.8pp | 17.7% | 12.6% | 12.6% | 88% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
0 YoY +2 (+11.1%) QoQ |
+8 | 12 | 186 | 482 | 88% |
| Assets per Employee ($) |
$3.7M
+6.3% YoY +4.0% QoQ |
-$2.5M | $6.2M | $10.1M | $8.8M | 15% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 12 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.7%
+0.9pp YoY -5.8pp QoQ |
0.0pp | 1.7% | 1.0% | 1.0% | 70% |
| Allowance Coverage |
1.48x
-1.4% YoY +358.5% QoQ |
-4.93x | 6.41x | 18.82x | 20.23x | 53% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.2% | 0.1% | 0.2% | 49% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.4%
-3.2pp YoY -0.3pp QoQ |
-4.0pp | 6.4% | 13.2% | 11.6% | 20% |
| Cost of Funds (YTD) |
0.3%
-0.5pp YoY -0.4pp QoQ |
-1.1pp | 1.4% | 1.6% | 1.7% | 4% |
| Net Income ($, YTD) |
$157,000
-47.7% YoY — QoQ |
-$161K | $317,817 | $15.9M | $40.4M | 31% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.