FIRST STATE BANK OF LIVINGSTON

LIVINGSTON, TX | Medium | Est. Oct. 5, 1910, midnight | FDIC #15898 | RSSD #884358 | FED
Latest Report: 2025-12-31

FIRST STATE BANK OF LIVINGSTON is amn medium FDIC-insured commercial bank headquartered in LIVINGSTON, TX, established in Oct. 5, 1910, midnight. As of 2025-12-31, the bank reported total assets of $707M and total deposits of $615M. Profitability stands at 1.10% ROA and 8.68% ROE, with a net interest margin of 3.41%. The bank's CET1 capital ratio is 12.61%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.69% and a Texas Ratio of 4.06%. FDIC Certificate #15898.

Assets

$707M

Deposits

$615M

Loans

$220M

Equity

$89M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 8.68%
Net Interest Margin (NIM) 3.41%
Yield on Assets 4.71%
Cost of Funds 1.37%

Asset Quality

NPL Ratio 1.69%
Net Charge-Off Ratio 0.06%
Texas Ratio 4.06%
NPA Ratio 0.53%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 12.61%
Tier 1 Capital 12.61%
Total Capital Ratio 13.24%
Leverage Ratio 15.65%
Loan-to-Deposit 35.79%

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