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
Unfavorable gap of $6.3M · efficiency ratio beats 62% 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 | 1.82% | 0.87% | 1.20% | 1.65% | Beats 87% | 28 / 211 | |
| Return on Equity | 12.77% | 7.52% | 11.67% | 14.58% | Beats 60% | 84 / 211 | |
| Net Interest Margin | 3.82% | 3.28% | 3.82% | 4.31% | Beats 49% | 108 / 211 | |
| Efficiency Ratio | 59.55% | 53.01% | 64.18% | 73.65% | Beats 62% | 82 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.01% | 0.30% | 1.10% | Beats 67% | 71 / 208 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.06% | Beats 45% | 115 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 36.97% | 11.72% | 14.45% | 19.57% | Beats 92% | 16 / 211 | |
| Total Risk-Based Capital Ratio | 38.22% | 11.94% | 14.78% | 20.30% | Beats 92% | 16 / 211 | |
| Equity / Assets | 14.29% | 9.41% | 11.06% | 12.94% | Beats 84% | 33 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 57.01% | 45.39% | 66.56% | 82.03% | 35th pctl | 136 / 208 | |
| Loans / Assets | 48.61% | 39.13% | 56.90% | 70.46% | 33rd pctl | 142 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |