| Weiss Ratings |
Citizens State Bank of Luling
Luling, TX |
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| Rating | ||||
| Asset Quality Index | 2.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.40 | |||
| Profitability Index | 1.80 | |||
| Stability Index | 7.60 | |||
| 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 | 6.26% | |||
| 5-Year Asset Growth | -2.46% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 1.10% | |||
| Non-Performing Loans to Capital | 5.05% | |||
| Non-Performing Loans to Loans | 1.68% | |||
| Balance Sheet |
Citizens State Bank of Luling
Luling, TX |
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| Total Assets | 73.82M | |||
| Total Deposits | 55.42M | |||
| Capital and Reserves |
Citizens State Bank of Luling
Luling, TX |
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| Capital | 16.89M | |||
| Leverage Ratio | 21.53 | |||
| Loan Loss Reserves to Loans | 2.49% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens State Bank of Luling
Luling, TX |
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| Hot Money Ratio | 19.96% | |||
| Liquidity Ratio | 36.23% | |||
| Profitability |
Citizens State Bank of Luling
Luling, TX |
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| 5-Year Return on Average Assets | 0.78% | |||
| Net Income | 157.00K | |||
| Net Interest Spread | 5.74% | |||
| Operating Profit to Average Assets | 0.56% | |||
| Overhead Efficiency Ratio | 77.64% | |||
| Return on Assets | 1.07% | |||
| Return on Equity | 5.91% | |||