FIRST NATIONAL BANK OF LIVINGSTON, THE

LIVINGSTON, TX | Small | Est. March 17, 1902, midnight | FDIC #3305 | RSSD #630658 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF LIVINGSTON, THE is asn small FDIC-insured commercial bank headquartered in LIVINGSTON, TX, established in March 17, 1902, midnight. As of 2025-12-31, the bank reported total assets of $442M and total deposits of $374M. Profitability stands at 2.23% ROA and 15.82% ROE, with a net interest margin of 4.08%. The bank's CET1 capital ratio is 36.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.06%. FDIC Certificate #3305.

Assets

$442M

Deposits

$374M

Loans

$218M

Equity

$64M

Profitability

Return on Assets (ROA) 2.23%
Return on Equity (ROE) 15.82%
Net Interest Margin (NIM) 4.08%
Yield on Assets 4.46%
Cost of Funds 0.41%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.06%
NPA Ratio 0.01%
ACL / Loans 1.43%

Capital & Liquidity

CET1 Ratio 36.51%
Tier 1 Capital 36.51%
Total Capital Ratio 37.76%
Leverage Ratio 15.30%
Loan-to-Deposit 58.33%

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