Citizens State Bank of Luling: how it compares with its peers
Against 63 TX banks with half to twice its assets, Citizens State Bank of Luling's strongest measure in Q2 2026 is efficiency ratio (73.08% vs. a 67.74% peer median). Its weakest relative measure is net interest margin (2.45% vs. 3.99%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.47% | 1.21% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.45% | 3.99% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.08% | 67.74% | Middle third Ahead of 41% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.7M | $5.6M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.40% | 45.93% | Context |
What it means for lending operations
Its efficiency ratio of 73.08% is above the 67.74% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Haskell National Bank Haskell, TX · $73M
- Citizens National Bank of Crosbyton Crosbyton, TX · $78M
- First National Bank of South Padre Island South Padre Island, TX · $78M
- Pavillion Bank Richardson, TX · $78M
- Zavala County Bank Crystal City, TX · $79M
- The First National Bank in Falfurrias Falfurrias, TX · $79M
Questions about Citizens State Bank of Luling
How big is Citizens State Bank of Luling?
Citizens State Bank of Luling, established in 1914, is headquartered in Luling, TX. It reported $74M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Citizens State Bank of Luling's return on assets?
0.47% annualized in Q2 2026, against a 1.21% median for 63 TX banks with half to twice its assets, ahead of 21% of them.
What is Citizens State Bank of Luling's efficiency ratio?
73.08% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 67.74%, and lower is better.
Is Citizens State Bank of Luling growing its loans?
Net loans shrank 17.6% over the year to Q2 2026, while deposits grew 0.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.