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Letter portraitLegal landscapeQuarterYTD

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

3.23%Q2 ’243.71%Q2 ’254.27%Q2 ’26+37%+16%

Non-interest income vs. expense

3.11%Q2 ’243.58%Q2 ’253.61%Q2 ’26+31%-14%

Executive Summary

  • Earnings: ROA of 1.90%, up 51 bps year over year; NIM at 3.91%.
  • 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 (quarter, annualized)

1.90%+51 bps YoY

Net Interest Margin (quarter, annualized)

3.91%+54 bps YoY

Efficiency Ratio (quarter, annualized)

58.63%-805 bps YoY

Tier 1 Leverage Ratio

15.54%+89 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.55%1.76%1.80%1.90%+51 bps
Return on Equity10.94%11.66%12.48%12.61%13.44%+250 bps
Net Interest Margin3.37%3.60%3.72%3.76%3.91%+54 bps
Efficiency Ratio66.67%65.21%61.54%60.52%58.63%-805 bps
Non-Interest Burden1.56%1.58%1.42%1.38%1.34%-22 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%0.05%0.05%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