LOVELADY STATE BANK

LOVELADY, TX | Micro | Est. Nov. 4, 1974, midnight | FDIC #21807 | RSSD #764151 | FDIC
Latest Report: 2025-12-31

LOVELADY STATE BANK is amn micro FDIC-insured commercial bank headquartered in LOVELADY, TX, established in Nov. 4, 1974, midnight. As of 2025-12-31, the bank reported total assets of $55M and total deposits of $48M. Profitability stands at 1.02% ROA and 8.68% ROE, with a net interest margin of 4.41%. The bank's CET1 capital ratio is 21.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.73% and a Texas Ratio of 6.32%. FDIC Certificate #21807.

Assets

$55M

Deposits

$48M

Loans

$24M

Equity

$6M

Profitability

Return on Assets (ROA) 1.02%
Return on Equity (ROE) 8.68%
Net Interest Margin (NIM) 4.41%
Yield on Assets 5.45%
Cost of Funds 1.64%

Asset Quality

NPL Ratio 0.73%
Net Charge-Off Ratio 0.15%
Texas Ratio 6.32%
NPA Ratio 0.77%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 21.87%
Tier 1 Capital 21.87%
Total Capital Ratio 22.99%
Leverage Ratio 11.80%
Loan-to-Deposit 50.24%

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