BanksFIRST NATIONAL BANK OF LIVINGSTON, THE

FIRST NATIONAL BANK OF LIVINGSTON, THE

LIVINGSTON, TXSmallEst. March 17, 1902, midnightFDIC #3305RSSD #630658OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF LIVINGSTON, THE is an 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%. CET1 capital ratio: 36.51%, well above regulatory minimums. NPL ratio: 0.02% · Texas Ratio: 0.06%. Operates 3 domestic branches.

Assets
$442M
Deposits
$374M
Loans
$218M
Equity
$64M

Profitability

Return on Assets (ROA)2.23%
Return on Equity (ROE)15.82%
Net Interest Margin4.08%
Yield on Assets4.46%
Cost of Funds0.41%

Asset Quality

NPL Ratio0.02%
Net Charge-Off Ratio0.04%
Texas Ratio0.06%
NPA Ratio0.01%
ACL / Loans1.43%

Capital & Liquidity

CET1 Ratio36.51%
Tier 1 Capital36.51%
Total Capital Ratio37.76%
Leverage Ratio15.30%
Loan-to-Deposit58.33%

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