Livingston, TX · Cert 3305 · FNB Co.
National charter · OCC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 1.02% | 1.34% | 1.36% | 1.42% | 1.51% | 1.80% | 1.86% | +49 bps | |
| Return on Equity | 9.70% | 10.14% | 11.19% | 11.09% | 11.27% | 11.65% | 12.61% | 13.02% | +193 bps | |
| Net Interest Margin | 2.55% | 2.65% | 3.31% | 3.31% | 3.42% | 3.52% | 3.76% | 3.82% | +51 bps | |
| Efficiency Ratio | 71.17% | 70.24% | 66.94% | 66.80% | 66.24% | 65.01% | 60.52% | 59.55% | -725 bps | |
| Non-Interest Burden | 1.25% | 1.28% | 1.54% | 1.53% | 1.55% | 1.53% | 1.38% | 1.35% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.55% | -8.72% | -6.85% | -8.12% | -4.58% | -2.09% | 3.34% | 3.27% | +1,139 bps | |
| Loan Growth (YoY) | 8.20% | 6.35% | 7.56% | 5.31% | 7.67% | 7.84% | 7.77% | 7.83% | +252 bps | |
| Deposit Growth (YoY) | -5.56% | -5.13% | -3.89% | -2.21% | -0.59% | -5.34% | 1.61% | 1.85% | +405 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.02% | 0.07% | 0.07% | 0.02% | 0.02% | 0.09% | 0.05% | -2 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.03% | 0.03% | 0.04% | 0.04% | 0.03% | 0.02% | -1 bps | |
| Allowance / Loans | 1.52% | 1.52% | 1.45% | 1.47% | 1.45% | 1.43% | 1.47% | 1.52% | +5 bps | |
| Allowance Coverage of NPLs | 53.7x | 61.4x | 21.8x | 21.7x | 66.1x | 72.6x | 16.7x | 29.8x | +8.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.56% | 13.68% | 14.75% | 14.65% | 14.92% | 15.30% | 15.39% | 15.54% | +89 bps | |
| Total Risk-Based Capital | 13.56% | 36.44% | 34.37% | 36.73% | 36.95% | 37.76% | 37.38% | 38.22% | +150 bps | |
| Equity / Assets | 11.32% | 11.55% | 12.39% | 12.91% | 13.61% | 14.54% | 13.96% | 14.29% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.08% | 51.21% | 53.06% | 53.85% | 54.24% | 58.33% | 56.28% | 57.01% | +316 bps | |
| Liquid Assets / Assets | 1.81% | 1.86% | 1.81% | 3.16% | 4.96% | 3.18% | 7.39% | 8.01% | +485 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 73.99% | 75.82% | 79.48% | n/a | n/a | |