The First National Bank of Livingston
Also written as FNB of Livingston
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Livingston is an FDIC-insured commercial bank headquartered in Livingston, TX, established in 1902 (FDIC certificate 3305), and it is supervised by the OCC. At Q2 2026 it reported total assets of $467.2M, up 3.3% from Q2 2025, the 166th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 36.97% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3305
- Headquarters
- Livingston, TX
- Established
- 1902
- Total assets, Q2 2026
- $467.2M
- Assets vs Q2 2025
- +3.3%
- CET1 ratio, Q2 2026
- 36.97%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 113105452
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Livingston Q3 2026 call report, filed October 8, 2026 (preliminary)
- Holding company
- FNB COMPANY
- Asset rank in state
- 166th of 346 in Texas
The First National Bank of Livingston is one of the more profitable banks of its size. It reported $467 million in assets at June 30, 2026, up 3.3% from a year earlier. It earns about $2.43 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 0.46% on its deposits and borrowings, a small fraction of the median of 1.80% for banks its size.
Earnings jumped: net income for the quarter was $2.8 million, 42% above the same quarter a year earlier. Over the same year, loans grew 7.8% and deposits grew 1.8%.
As of June 30, 2026, The First National Bank of Livingston reported a CET1 capital ratio of 36.97%, a return on assets of 2.43%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.17%. The figures come from its call report filed with the FFIEC.
The First National Bank of Livingston ranks as the 166th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $467.2M, loans rose 0.9% and deposits fell 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 57.4% of total loans, followed by construction and land development loans at 11.4%. The FDIC Summary of Deposits lists 3 offices for it, in Livingston, TX and Onalaska, TX; its Livingston 2 offices book 82% of its branch deposits. On its Q2 2026 call report, The First National Bank of Livingston meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2121 Us Highway 190 W, Livingston, TX 77351
- County
- Polk
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 17, 1902
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 99
- Domestic deposits
- $398.3M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $24K
- Average total assets
- $465.7M
- Average total loans
- $225.7M
- Average interest-bearing deposits
- $204.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3305
- Fed RSSD
- 630658
- Website
- www.fnblivingston.com →
- Parent Holding Company
- FNB COMPANY (RSSD 2504285)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The First National Bank of Livingston's total assets moved between a low of $442.1M (Q4 2025) and a high of $498.2M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$467.2M total assets against $452.4M; $400.4M total liabilities against $394.0M.
$223.7M net loans and leases against $207.5M; $398.3M total deposits against $391.1M.
$186.5M securities against $211.0M; $41.2M cash and balances due against $18.2M.
$5.0M total interest income against $4.3M; $458K total interest expense against $422K.
$4.5M net interest income against $3.9M.
$2.6M total noninterest income against $2.4M; $4.2M total noninterest expense against $4.2M.
$135K provision for credit losses against $90K.
$2.8M net income against $2.0M.
2.43% return on assets against 1.71%; 3.97% net interest margin against 3.46%.
36.97% CET1 capital ratio against 35.47%; 15.54% tier 1 leverage ratio against 14.65%.
Inside the full The First National Bank of Livingston terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Livingston rankings
Its closest position to the top of a national ranking is 35 of 2,134, for CET1 ratio; its furthest is 3,176 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.28% (Q3 2024) to 2.43% (Q2 2026) and its net interest margin ran from 2.66% (Q3 2024) to 3.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 36.97% | 2.43% | 0.05% | 0.17% | 3.97% |
| Q1 2026 | 36.13% | 2.25% | 0.09% | 0.30% | 3.91% |
| Q4 2025 | 36.51% | 2.19% | 0.02% | 0.07% | 3.76% |
| Q3 2025 | 35.70% | 1.94% | 0.02% | 0.08% | 3.65% |
| Q2 2025 | 35.47% | 1.71% | 0.07% | 0.24% | 3.46% |
| Q1 2025 | 33.12% | 1.69% | 0.07% | 0.25% | 3.36% |
| Q4 2024 | 35.18% | 1.50% | 0.02% | 0.10% | 2.98% |
| Q3 2024 | — | 1.28% | 0.03% | 0.10% | 2.66% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 308 West Church Branch | Livingston , TX | 77351 | $167.4M |
| The First National Bank of Livingston | Livingston , TX | 77351 | $160.1M |
| Onalaska Branch | Onalaska , TX | 77360 | $70.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 12, 1998 | Structure Change | Acquired The Bank of Livingston Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 11, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action July 27, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 205 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $155K approved, $78K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Livingston
What are The First National Bank of Livingston's total assets?
As of the Q2 2026 filing, The First National Bank of Livingston reported total assets of $467.2 million in its FFIEC call report.
Where is The First National Bank of Livingston headquartered?
It is headquartered in Livingston, TX, United States.
When was The First National Bank of Livingston founded?
It was established in 1902, per the FDIC institution directory.
Is The First National Bank of Livingston FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3305). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Livingston?
The First National Bank of Livingston's primary federal regulator is the OCC.
What is The First National Bank of Livingston's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 36.97% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Livingston operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Livingston's Texas Ratio?
Its Texas Ratio is 0.17% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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