BanksLOVELADY STATE BANK

LOVELADY STATE BANK

LOVELADY, TXMicroEst. Nov. 4, 1974, midnightFDIC #21807RSSD #764151FDIC
Latest · 2025-12-31

LOVELADY STATE BANK is an 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%. CET1 capital ratio: 21.87%, well above regulatory minimums. NPL ratio: 0.73% · Texas Ratio: 6.32%. Operates 1 domestic branch.

Assets
$55M
Deposits
$48M
Loans
$24M
Equity
$6M

Profitability

Return on Assets (ROA)1.02%
Return on Equity (ROE)8.68%
Net Interest Margin4.41%
Yield on Assets5.45%
Cost of Funds1.11%

Asset Quality

NPL Ratio0.73%
Net Charge-Off Ratio0.15%
Texas Ratio6.32%
NPA Ratio0.77%
ACL / Loans1.40%

Capital & Liquidity

CET1 Ratio21.87%
Tier 1 Capital21.87%
Total Capital Ratio22.99%
Leverage Ratio11.80%
Loan-to-Deposit50.24%

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