| Weiss Ratings |
Citizens State Bank of Luling
Luling, TX |
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| Rating | ||||
| Asset Quality Index | 0.20 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.70 | |||
| Profitability Index | 1.60 | |||
| Stability Index | 7.30 | |||
| Company Info |
Citizens State Bank of Luling
Luling, TX |
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| FDIC Number | 10327 | |||
| Phone Number | (830) 875-2472 | |||
| Website | www.csbsa.com | |||
| Asset Quality |
Citizens State Bank of Luling
Luling, TX |
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| 1-Year Asset Growth | -7.40% | |||
| 5-Year Asset Growth | -2.46% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 5.87% | |||
| Non-Performing Loans to Capital | 27.92% | |||
| Non-Performing Loans to Loans | 7.36% | |||
| Balance Sheet |
Citizens State Bank of Luling
Luling, TX |
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| Total Assets | 63.86M | |||
| Total Deposits | 51.08M | |||
| Capital and Reserves |
Citizens State Bank of Luling
Luling, TX |
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| Capital | 11.64M | |||
| Leverage Ratio | 19.05 | |||
| Loan Loss Reserves to Loans | 2.38% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens State Bank of Luling
Luling, TX |
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| Hot Money Ratio | 18.42% | |||
| Liquidity Ratio | 24.40% | |||
| Profitability |
Citizens State Bank of Luling
Luling, TX |
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| 5-Year Return on Average Assets | 0.78% | |||
| Net Income | 78.00K | |||
| Net Interest Spread | 5.39% | |||
| Operating Profit to Average Assets | 0.62% | |||
| Overhead Efficiency Ratio | 86.01% | |||
| Return on Assets | 0.49% | |||
| Return on Equity | 2.69% | |||