The First National Bank of Livingston: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Livingston of Livingston, TX against its peer group of 2603 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.55% | 1.25% | +1.30% | 94th top |
| ROAE | 17.93% | 13.21% | +4.72% | 72nd above |
| Net Interest Margin | 4.05% | 3.95% | +0.10% | 54th above |
| Efficiency Ratio | 58.34% | 61.29% | -2.95% | 50th above |
| PPNR / Avg Assets | 2.63% | — | — | 89th top |
| Yield on Earning Assets | 4.49% | 5.68% | -1.19% | 9th bottom |
| Cost of Funds | 0.51% | 1.88% | -1.37% | 97th top |
| Net Interest Spread | 3.48% | — | — | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.93% | -0.89% | 78th top |
| NPA / Total Assets | 0.02% | — | — | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 24th bottom |
| ACL / Total Loans | 1.52% | — | — | 74th above |
| ACL / NPLs (Coverage) | 3416.67% | — | — | — |
| Texas Ratio | 0.15% | 7.37% | -7.22% | 87th top |
| Provision / NCO | 729.31% | — | — | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 37.00% | 17.08% | +19.92% | 93rd top |
| Tier 1 Ratio | 37.00% | 17.11% | +19.89% | 93rd top |
| Total Capital Ratio | 38.26% | — | — | 93rd top |
| Leverage Ratio | 15.69% | 11.73% | +3.96% | 89th top |
| Equity / Assets | 13.93% | 10.97% | +2.96% | 85th top |
| TCE / Tangible Assets | 13.38% | — | — | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.21% | 80.71% | -24.50% | 80th top |
| Core Deposit Ratio | 99.21% | 86.89% | +12.32% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.08% | — | — | 55th above |
| Loan Growth (Y/Y) | 7.36% | — | — | 62nd above |
| Deposit Growth (Y/Y) | 3.59% | — | — | 48th below |
See The First National Bank of Livingston's peers by name
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Unlock The First National Bank of Livingston, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of Livingston profile, how to read a UBPR, or how this data updates.