| Weiss Ratings |
Citizens State Bank of Luling
Luling, TX |
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| Rating | ||||
| Asset Quality Index | 5.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.50 | |||
| Profitability Index | 4.40 | |||
| Stability Index | 3.70 | |||
| 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 | -0.64% | |||
| 5-Year Asset Growth | -1.00% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.66% | |||
| Non-Performing Loans to Capital | 5.54% | |||
| Non-Performing Loans to Loans | 0.78% | |||
| Balance Sheet |
Citizens State Bank of Luling
Luling, TX |
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| Total Assets | 69.47M | |||
| Total Deposits | 54.92M | |||
| Capital and Reserves |
Citizens State Bank of Luling
Luling, TX |
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| Capital | 11.33M | |||
| Leverage Ratio | 17.06 | |||
| Loan Loss Reserves to Loans | 1.87% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens State Bank of Luling
Luling, TX |
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| Hot Money Ratio | 19.05% | |||
| Liquidity Ratio | 18.12% | |||
| Profitability |
Citizens State Bank of Luling
Luling, TX |
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| 5-Year Return on Average Assets | 0.77% | |||
| Net Income | 300.00K | |||
| Net Interest Spread | 5.62% | |||
| Operating Profit to Average Assets | 1.09% | |||
| Overhead Efficiency Ratio | 78.18% | |||
| Return on Assets | 0.85% | |||
| Return on Equity | 5.58% | |||