First State Bank of Livingston
Livingston, TX · Cert 15898 · Peer group: banks under $1B in assets in TX (n=208-211) · East Texas Bancshares Inc.
State charter, Fed member · FED · 8 branches
Q2 2026
$689.3MAssets
$216.1MLoans
$595.5MDeposits
$90.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 77% of banks under $1B in assets in TX (rank 49 of 211).
- Widest gap: nonperforming loans / loans trails 84% of banks under $1B in assets in TX (rank 176 of 208).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.07%
Rank 122 of 211
Net Interest Margin
3.00%
Rank 174 of 211
Efficiency Ratio
68.50%
Rank 137 of 211
Equity / Assets
13.18%
Rank 49 of 211
Non-interest income vs. expense
Unfavorable gap of $13.6M · efficiency ratio beats 36% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.87% | 1.20% | 1.65% | Beats 42% | 122 / 211 | |
| Return on Equity | 8.14% | 7.52% | 11.67% | 14.58% | Beats 29% | 149 / 211 | |
| Net Interest Margin | 3.00% | 3.28% | 3.82% | 4.31% | Beats 18% | 174 / 211 | |
| Efficiency Ratio | 68.50% | 53.01% | 64.18% | 73.65% | Beats 36% | 137 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.93% | 0.01% | 0.30% | 1.10% | Beats 16% | 176 / 208 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.06% | Beats 40% | 125 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 15.52% | 11.72% | 14.45% | 19.57% | Beats 58% | 89 / 211 | |
| Total Risk-Based Capital Ratio | 15.52% | 11.94% | 14.78% | 20.30% | Beats 53% | 99 / 211 | |
| Equity / Assets | 13.18% | 9.41% | 11.06% | 12.94% | Beats 77% | 49 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 36.29% | 45.39% | 66.56% | 82.03% | 13th pctl | 180 / 208 | |
| Loans / Assets | 31.36% | 39.13% | 56.90% | 70.46% | 15th pctl | 180 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |