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First National Bank of Livingston, The

Livingston, TX · Cert 3305 · FNB Co.

National charter · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

89

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

62

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Livingston, The

Livingston, TX · Cert 3305 · FNB Co.

National charter · OCC · 3 branches

Q2 2026

$467.2MAssets
$227.1MLoans
$398.3MDeposits
$66.8MEquity
Loan mix
87%RE $193.7M6%C&I $12.9M7%Consumer $15.6MQ2 2025Q2 2026
Deposit mix
51%Interest-bearing $203.2M49%Noninterest $195.1MQ2 2025Q2 2026

NIM

3.19%Q2 ’243.65%Q2 ’254.16%Q2 ’26+33%+15%

Non-interest income vs. expense

3.12%Q2 ’243.53%Q2 ’253.59%Q2 ’26+25%-12%

Executive Summary

  • Earnings: ROA of 1.86%, up 49 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.05% of loans (-2 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 15.54%, up 89 bps from a year ago.
  • Funding: loans stand at 57.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.86%+49 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+51 bps YoY

Efficiency Ratio (YTD, annualized)

59.55%-725 bps YoY

Tier 1 Leverage Ratio

15.54%+89 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.42%1.51%1.80%1.86%+49 bps
Return on Equity11.09%11.27%11.65%12.61%13.02%+193 bps
Net Interest Margin3.31%3.42%3.52%3.76%3.82%+51 bps
Efficiency Ratio66.80%66.24%65.01%60.52%59.55%-725 bps
Non-Interest Burden1.53%1.55%1.53%1.38%1.35%-18 bps
Growth
Asset Growth (YoY)-8.12%-4.58%-2.09%3.34%3.27%+1,139 bps
Loan Growth (YoY)5.31%7.67%7.84%7.77%7.83%+252 bps
Deposit Growth (YoY)-2.21%-0.59%-5.34%1.61%1.85%+405 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.02%0.02%0.09%0.05%-2 bps
Net Charge-Offs / Loans0.03%0.04%0.04%0.03%0.02%-1 bps
Allowance / Loans1.47%1.45%1.43%1.47%1.52%+5 bps
Allowance Coverage of NPLs21.7x66.1x72.6x16.7x29.8x+8.1x
Capital
Tier 1 Leverage Ratio14.65%14.92%15.30%15.39%15.54%+89 bps
Total Risk-Based Capital36.73%36.95%37.76%37.38%38.22%+150 bps
Equity / Assets12.91%13.61%14.54%13.96%14.29%+138 bps
Liquidity & Funding
Loans / Deposits53.85%54.24%58.33%56.28%57.01%+316 bps
Liquid Assets / Assets3.16%4.96%3.18%7.39%8.01%+485 bps
CRE / Total Capitaln/a73.99%75.82%79.48%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Livingston, The

Livingston, TX · Cert 3305 · Peer group: banks under $1B in assets in TX (n=208-211) · FNB Co.

National charter · OCC · 3 branches

Q2 2026

$467.2MAssets
$227.1MLoans
$398.3MDeposits
$66.8MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 92% of banks under $1B in assets in TX (rank 16 of 211).
  • Widest gap: net charge-offs / loans trails 55% of banks under $1B in assets in TX (rank 115 of 208).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.82%

Rank 28 of 211

Net Interest Margin

3.82%

Rank 108 of 211

Efficiency Ratio

59.55%

Rank 82 of 211

Equity / Assets

14.29%

Rank 33 of 211

Non-interest income vs. expense

$10.4M$16.7MINCOMEEXPENSE
Unfavorable gap of $6.3M · efficiency ratio beats 62% of banks under $1B in assets in TX
Bank 59.55%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.82%0.87%1.20%1.65%Beats 87%28 / 211
Return on Equity12.77%7.52%11.67%14.58%Beats 60%84 / 211
Net Interest Margin3.82%3.28%3.82%4.31%Beats 49%108 / 211
Efficiency Ratio59.55%53.01%64.18%73.65%Beats 62%82 / 211
Asset Quality
Nonperforming Loans / Loans0.05%0.01%0.30%1.10%Beats 67%71 / 208
Net Charge-Offs / Loans0.02%0.00%0.01%0.06%Beats 45%115 / 208
Capital
Tier 1 Capital Ratio36.97%11.72%14.45%19.57%Beats 92%16 / 211
Total Risk-Based Capital Ratio38.22%11.94%14.78%20.30%Beats 92%16 / 211
Equity / Assets14.29%9.41%11.06%12.94%Beats 84%33 / 211
Liquidity & Funding
Loans / Deposits57.01%45.39%66.56%82.03%35th pctl136 / 208
Loans / Assets48.61%39.13%56.90%70.46%33rd pctl142 / 211
Brokered Deposits / Depositsn/aNot reported for this institution