Citizens State Bank has proudly served its communities for more than a century. The bank was founded on November 12, 1913, by Dr. Sidney J. Francis. In 1996, the Spector family acquired the bank and remained its owners until 2026. In 2026, a group of local business leaders acquired the bank with a shared vision of restoring true relationship banking to San Antonio, Luling, and the surrounding communities.
Today, Citizens State Bank remains committed to providing exceptional financial services and personalized solutions to customers across all income levels. Beyond banking, we are dedicated to investing in the communities we serve by supporting local youth programs, schools, nonprofit organizations, and community initiatives that help our neighbors thrive.
At Citizens State Bank, we believe banking is about more than transactions—it’s about relationships, trust, and being a reliable partner for our customers and communities.
Citizens State Bank — Your Good Neighbor Bank.
Phone: 830-875-2472
Fax: 830-875-9104
Physical Address: 200 S. Magnolia Ave, Luling, Texas 78648
Mailing Address: PO BOX 350 Luling, Texas 78648
ATM Locations
120 S. Magnolia Ave.
Luling, Texas 78648
ATM is “drive-up” style, available 24hrs a day.
Located across the street from the bank.
Lobby Hours
Monday – Thursday: 9:00 am – 3:00 pm
Friday: 9:00am – 5:00 pm
Drive-Thru Hours
Monday – Friday: 9:00 am – 6:00 pm
Saturday: 9:00 am – 12:00 pm
Sunday: Closed
Phone: 210-785-2300
Fax: 210-785-2301
Physical Address: 1300 W. Hildebrand Ave, San Antonio, Texas 78201
Mailing Address: 1300 W. Hildebrand Ave, San Antonio, Texas 78201
ATM Locations
1300 W. Hildebrand Ave.
San Antonio, Texas 78201
ATM is “drive-up” style, available 24 hours a day.
Located in the customer parking lot at the bank.
Lobby Hours
Monday – Thursday: 9:00 am – 3:00 pm
Friday: 9:00 am – 5:00 pm
Drive-Thru Hours
Monday – Friday: 8:00 am – 6:00 pm
Saturday: 9:00 am – 12:00 pm
Sunday: Closed