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Citizens State Bank of Luling Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: May 16, 2026

You can compare Citizens State Bank of Luling rates to other rates in our database, including 12-month CD rates currently at 0.60%, 6-month CD rates at 3.95% and 3-month CD rates at 0.10%. Savings rates are at 1.00% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 5.93%. All these rates can be compared to Citizens State Bank of Luling rates. MonitorBankRates evaluates the financial stability of Citizens State Bank of Luling with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.41%. Rates were last updated on 05/16/2026.

Citizens State Bank of Luling money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens State Bank of Luling? Share your experience about Citizens State Bank of Luling by leaving a review below, or read customer reviews before you decide to use Citizens State Bank of Luling.

MonitorBankRates Exceptional Health Badge 2026 Exceptional Health Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.41%
Excellent Lower than avg
Citizens State Bank of Luling
200 S Magnolia Ave
Luling, TX 78648
https://www.csbsa.com
Member FDIC

Current Rate Availability

We do not have Citizens State Bank of Luling rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens State Bank of Luling is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens State Bank of Luling rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens State Bank of Luling's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens State Bank of Luling
Bank Holding Company SPECTOR HOLDINGS MGNT L L C
Address 200 S Magnolia Ave, Luling, TX 78648  ·  Caldwell
Website https://www.csbsa.com
FDIC Certificate # 10327
Established 01/02/1914
FDIC Insurance Date 01/01/1934
Domestic Offices 2
Total Branches 2
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 100/100
5.0
Exceptional Out of 5.0 Stars
0.41%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.8083%
Return on Equity (ROE) 5.8800%
Non-Performing Loans (NPL) 0.06%
Total Assets $63,133,000
Total Deposits $51,409,000
Equity Capital $11,582,000
Net Income $604,000
Headquarters Luling
Total Offices 2
Source: FDIC  |  Last Updated 12/31/2025
MonitorBankRates Exceptional Health Badge 2026
2026 MBR Health & Safety Badge

Citizens State Bank of Luling earned the Exceptional Health badge

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Customer Reviews

There are no reviews for Citizens State Bank of Luling yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Frequently Asked Questions About Citizens State Bank of Luling

How many branches does Citizens State Bank of Luling operate?

Citizens State Bank of Luling currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens State Bank of Luling does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens State Bank of Luling provides members with tools to manage their accounts and build a solid financial history.

Does Citizens State Bank of Luling offer online and mobile banking?

Most modern institutions like Citizens State Bank of Luling provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.csbsa.com.

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