Citizens State Bank of Luling

Headquarters

200 South Magnolia Avenue
Luling, TX 78648
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.91% →
1-Year CD 0.40% 0.85% →
2-Year CD 0.75% 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Citizens State Bank of Luling is an FDIC insured institution located in Luling, TX. It was founded in 1914 and has approximately $0.07 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 10327
Date Established 1914
Assets $ 69.37 million
Loans $ 56.83 million
Deposits $ 58.54 million
Capital $ 10.73 million
 

For a more detailed analysis of Citizens State Bank of Luling's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 3, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $1 - Learn More
Money Market
0.05% $1 - Learn More
CD Rates APY MIN MAX
6 Mo CD
0.25% $1,000 $99,999 Learn More
6 Mo CD
0.35% $100,000 - Learn More
12 Mo CD
0.30% $1,000 $99,999 Learn More
12 Mo CD
0.40% $100,000 - Learn More
18 Mo CD
0.50% $1,000 $99,999 Learn More
18 Mo CD
0.50% $100,000 - Learn More
24 Mo CD
0.75% $1,000 $99,999 Learn More
24 Mo CD
0.75% $100,000 - Learn More
36 Mo CD
0.95% $1,000 $99,999 Learn More
36 Mo CD
0.95% $100,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.02% $1 - Learn MoreShow Less
 

Loan Rates - December 3, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Citizens State Bank of Luling

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
New American Funding
NMLS ID: 6606
2.605% 2.500% 0.75 $3,479 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Citizens State Bank of Luling
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Branches

Citizens State Bank of Luling branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Citizens State Bank of Luling Locations


Financial Details

Citizens State Bank of Luling Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens State Bank of Luling. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Citizens State Bank of Luling U.S. Bank Average
0.56% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Citizens State Bank of Luling had $65,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,725,000 in equity and $960,000 in loans loss reserves. That gives it a Texas Ratio of 0.56%.

Return on Equity
Citizens State Bank of Luling U.S. Bank Average
6.75% 7.80%

Citizens State Bank of Luling has a Return on Equity of 6.75% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Citizens State Bank of Luling U.S. Bank Average
15.46% 12.68%

Citizens State Bank of Luling has a Capitalization of 15.46% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Citizens State Bank of Luling Balance Sheet Analysis

As of March 31, 2020, Citizens State Bank of Luling had assets of $69,373,000, loans of $56,829,000, and deposits of $58,538,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 8.02 million
Interest-bearing balances $ 4.68 million
Total securities $ 3.48 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 56.83 million
Loan loss allowance $ 0.96 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 0.52 million
     Total Assets $ 58.65 million
LIABILITIES
Total deposits $ 58.54 million
      Interest-bearing deposits $ 40.37 million
      Deposits held in domestic offices $ 58.54 million
      % insured (estimated) 81.95%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.11 million
      Total Liabilities $ 58.65 million
      Shareholders’ Equity $ 10.73 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.85 million
Total Interest Expense $ 0.07 million
Net interest income $ 0.77 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.10 million
Total non interest expense $ 0.64 million
Pre-tax Net Operating Income $ 0.23 million

Bank Loan Profile?

The top three loan types in Citizens State Bank of Luling’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Texas, Citizens State Bank of Luling has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.60
Multifamily
Mortgages
4.90
Credit Card Loans 0.00
Consumer Auto Loans 0.09
Small Business Loans 0.00
Construction and Development Loans 8.83
Commercial Real Estate 67.15
Commercial and Industrial Loans 5.64
Farm Loans 0.37

Frequently Asked Questions About Citizens State Bank Of Luling

Branches and Savings

Is Citizens State Bank Of Luling FDIC insured?

Yes. It is covered under FDIC Certificate #10327.

Why does Citizens State Bank Of Luling pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Citizens State Bank Of Luling CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Citizens State Bank Of Luling a commercial bank?

Yes

Where are Citizens State Bank Of Luling locations?

See branch locations nearby.

Is Citizens State Bank Of Luling open on Saturdays?

Is Citizens State Bank Of Luling open on Sundays?

What time does Citizens State Bank Of Luling open?

What time does Citizens State Bank Of Luling close?

Are Citizens State Bank Of Luling ATMs Open 24/7?

Do Citizens State Bank Of Luling ATMs accept cash deposits?

Can Citizens State Bank Of Luling customers use other ATMs?

Do Citizens State Bank Of Luling branches have notaries?

Will Citizens State Bank Of Luling notarize my document?

What address for Citizens State Bank Of Luling should I put for incoming ACH transfers?

Will the Citizens State Bank Of Luling branch print checks?

Do Citizens State Bank Of Luling checks expire?

Does Citizens State Bank Of Luling require US citizenship to open account?

Can Citizens State Bank Of Luling close my account?

Does Citizens State Bank Of Luling Report to credit bureaus?

Does Citizens State Bank Of Luling Use Equifax?

What is Citizens State Bank Of Luling's ACH Routing Number?

What is Citizens State Bank Of Luling's SWIFT code?

Products

Does Citizens State Bank Of Luling offer mortgages?

Compare mortgage rates here.

Does Citizens State Bank Of Luling offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens State Bank Of Luling offer personal loans?

Compare personal loan rates here.

Does Citizens State Bank Of Luling offer student loans?

Will Citizens State Bank Of Luling cash a check?

Will Citizens State Bank Of Luling redeem a savings bond?

Does Citizens State Bank Of Luling cash savings bonds?

Will Citizens State Bank Of Luling cash money orders?

Can Citizens State Bank Of Luling issue a money order?

Does Citizens State Bank Of Luling do currency exchange?

Background on The Bank

Who owns Citizens State Bank Of Luling?

How long has Citizens State Bank Of Luling been around?

Can Citizens State Bank Of Luling transfer to other banks?

Does Citizens State Bank Of Luling have quick pay?

Does Citizens State Bank Of Luling accept rolled coins?

Will Citizens State Bank Of Luling accept loose change?

Where is Citizens State Bank Of Luling headquarters?

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