Citizens State Bank Of Luling is a bank based in Luling, Texas, established in 1914, with $64 million in total assets across 2 branches. By Trust Grade it ranks 232nd of 349 banks we track in Texas. Its capital ratio of 18.2% is stronger than 82% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 0.49% return on assets. No consumer complaints against Citizens State Bank Of Luling appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Citizens State Bank Of Luling compares to Texas peers
How we graded Citizens State Bank Of Luling
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (18.2% capital ratio)
- Profitable (ROA 0.49%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens State Bank Of Luling over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 1300 W Hildebrand Ave, San Antonio, TX 78201
- 200 S Magnolia Ave, Luling, TX 78648
Are deposits at Citizens State Bank Of Luling insured?
Yes. Citizens State Bank Of Luling is an FDIC-insured bank (FDIC certificate #10327). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Citizens State Bank Of Luling: frequently asked questions
Is Citizens State Bank Of Luling a good bank?
Citizens State Bank Of Luling earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (18.2% capital ratio); Profitable (ROA 0.49%).
Is Citizens State Bank Of Luling FDIC-insured?
Yes. Citizens State Bank Of Luling is a FDIC-insured bank (FDIC certificate #10327). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Citizens State Bank Of Luling?
Citizens State Bank Of Luling holds $64 million in total assets, ranking 232nd of 349 banks we track in Texas. It operates 2 branches.
Does Citizens State Bank Of Luling have CFPB complaints?
No CFPB complaints against Citizens State Bank Of Luling appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
