BlastPoint's Banking Scorecard
Citizens State Bank of Luling
Micro
Specialty: Commercial
TX
FDIC cert 10327
Designations: ✓ Community bank
Luling, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Citizens State Bank of Luling has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.87% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 6.88% above tier
- - Nonperforming Asset Ratio 5.61% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.1M
-10.3% YoY
-6.8% QoQ
|
-$154.4M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$50.9M
-7.1% YoY
-4.2% QoQ
|
-$88.2M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$51.4M
-14.1% YoY
-8.0% QoQ
|
-$132.3M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.89%
-16.7% YoY
-2.7% QoQ
|
-0.20% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
5.72%
+5.5% YoY
+1.4% QoQ
|
+1.87% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
77.07%
+1.9% YoY
-0.2% QoQ
|
+9.34% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
7.52%
+504.1% QoQ
|
+6.88% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
99.07%
+8.2% YoY
+4.1% QoQ
|
+24.54% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.53%
-8.6% YoY
-11.2% QoQ
|
+12.13% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
6.07%
+520.5% QoQ
|
+5.61% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.49%
+4.1% YoY
+36.1% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.72%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
7.52%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.07%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Net Interest Margin
Current: 5.72% · Tier avg: 3.85%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.53% · Tier avg: 22.39%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
25
25th pctile
Efficiency Ratio
Current: 77.07% · Tier avg: 67.73%
20
20th pctile
Total Loans
Current: $50.9M · Tier avg: $139.2M
11
11th pctile
Total Deposits
Current: $51.4M · Tier avg: $183.7M
11
11th pctile
Total Assets
Current: $63.1M · Tier avg: $217.5M
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.07% · Tier avg: 74.53%
0
0th pctile
Delinquency Rate
Current: 7.52% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 6.07% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 6.07% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 7.52% · Tier avg: 0.64%
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.07% · Tier avg: 74.53%
11
11th pctile
Total Assets
Current: $63.1M · Tier avg: $217.5M
11
11th pctile
Total Deposits
Current: $51.4M · Tier avg: $183.7M
20
20th pctile
Total Loans
Current: $50.9M · Tier avg: $139.2M
25
25th pctile
Efficiency Ratio
Current: 77.07% · Tier avg: 67.73%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.53% · Tier avg: 22.39%
97
97th pctile
Net Interest Margin
Current: 5.72% · Tier avg: 3.85%