Citizens State Bank of Luling
Luling, TX · Owner: Luling Bancshares Inc
$73.8M
total assets, June 30, 2026
$73.8M
total assets, June 30, 2026
Citizens State Bank of Luling is a state nonmember bank based in Luling, TX, owned by Luling Bancshares Inc. As of June 30, 2026 it held $73.8 million in assets and $55.4 million in deposits; assets were up 6.3% from a year before. It has 2 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$73.8M
+6.3% in a year · +15.6% in a quarter
Deposits
$55.4M
+0.9% in a year · +8.5% in a quarter
Loans
$48.5M
-17.1% in a year · -4.6% in a quarter
Profit so far
$157K
Jan 1 to Jun 30, 2026 · -47.7% in a year
Capital ratio
21.53%
+4.47 pts in a year
Return on assets
0.47%
-0.39 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 200 S Magnolia Ave, Luling, TX, 78648
- County
- Caldwell
- Holding company
- Luling Bancshares Inc
- Established
- Jan 2, 1914
- Employees
- 20
- Branches
- 2
- Website
- www.csbsa.com
- Id
- b10327
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
2 offices as of June 30, 2026, holding $55.4 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Texas | 2 | $55.4M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Citizens State Bank Of Luling (main office) | Luling, TX | $33.2M |
| Continental Branch | San Antonio, TX | $22.2M |
Related pages
Questions and answers
How big is Citizens State Bank of Luling?
$73.8 million in total assets and $55.4 million in deposits as of June 30, 2026, with assets up 6.3% from a year before. Its loans were $48.5 million.
How many branches does Citizens State Bank of Luling have?
2 branches in Texas as of June 30, 2026.
Is Citizens State Bank of Luling profitable?
Yes: it earned $157,000 from January 1 to June 30, 2026 (down 47.7% from the same months a year before). Its return on assets was 0.47% a year; about 1% is typical.
Who owns Citizens State Bank of Luling?
Citizens State Bank of Luling is owned by Luling Bancshares Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.