First State Bank of Livingston
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Data as of · sourced from FFIEC call reports. How we update
First State Bank of Livingston is an FDIC-insured commercial bank headquartered in Livingston, TX, established in 1910 (FDIC certificate 15898), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $689.3M, up 1.6% from Q2 2025, the 127th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.52% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 15898
- Headquarters
- Livingston, TX
- Established
- 1910
- Total assets, Q2 2026
- $689.3M
- Assets vs Q2 2025
- +1.6%
- Tier 1 leverage ratio, Q2 2026
- 15.52%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 113105465
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank of Livingston call report
- Holding company
- EAST TEXAS BANCSHARES, INC.
- Asset rank in state
- 127th of 346 in Texas
Problem loans are rising at First State Bank of Livingston. The Livingston, Texas bank had $689 million in assets at June 30, 2026, up 1.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.77% of loans from 0.18% a year earlier. It holds commercial real estate loans equal to only 14% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also funds 15.52% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 11% from a year earlier, to $2.0 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $28 million equal 25% of Tier 1 capital, down from 32% a year earlier. Its margin is thin by comparison: it keeps 3.32 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, First State Bank of Livingston reported a return on assets of 1.09%, a nonperforming-loan ratio of 1.93% and a Texas ratio of 4.10%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, First State Bank of Livingston is the 127th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.8% to $689.3M, loans fell 0.6% and deposits fell 5.6%. Its loan book on June 30, 2026 was led by loans to states and political subdivisions, at 36.1% of total loans, followed by 1-4 family residential loans at 22.2%. The FDIC Summary of Deposits lists 8 offices for it, in 6 cities in TX; its Livingston 3 offices book 47% of its branch deposits. Judged on its Q2 2026 call report, First State Bank of Livingston meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 112 W Polk St, Livingston, TX 77351
- County
- Polk
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 5, 1910
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 129
- Domestic deposits
- $595.5M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $40K
- Average total assets
- $727.4M
- Average total loans
- $214.0M
- Average interest-bearing deposits
- $410.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 27, 1942
- FDIC Cert
- 15898
- Fed RSSD
- 884358
- Website
- www.fsblivingston.bank →
- Parent Holding Company
- EAST TEXAS BANCSHARES, INC. (RSSD 1135909)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First State Bank of Livingston reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First State Bank of Livingston's total assets ran between $412.3M (Q3 2023) and $730.8M (Q1 2024), 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
$689.3M total assets against $678.5M; $598.5M total liabilities against $596.4M.
$213.5M net loans and leases against $216.3M; $595.5M total deposits against $593.3M.
$407.3M securities against $397.2M; $38.4M cash and balances due against $22.9M.
$7.6M total interest income against $7.8M; $2.1M total interest expense against $2.5M.
$5.5M net interest income against $5.3M.
$1.2M total noninterest income against $1.0M; $4.5M total noninterest expense against $4.3M.
$0 provision for credit losses against $0.
$2.0M net income against $1.8M.
1.09% return on assets against 0.98%; 3.32% net interest margin against 3.22%.
15.52% tier 1 leverage ratio against 15.15%.
Inside the full First State Bank of Livingston terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst State Bank of Livingston rankings
Its closest position to the top of a national ranking is 1,377 of 4,196, for total assets; its furthest is 2,314 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.79% (Q3 2025) to 1.18% (Q3 2024) and its net interest margin ran from 3.10% (Q1 2025) to 3.43% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.52% | 1.09% | 1.93% | 4.10% | 3.32% |
| Q1 2026 | 14.98% | 0.92% | 1.95% | 4.18% | 3.19% |
| Q4 2025 | 15.65% | 1.10% | 2.48% | 5.58% | 3.43% |
| Q3 2025 | 15.91% | 0.79% | 1.72% | 4.11% | 3.27% |
| Q2 2025 | 15.15% | 0.98% | 0.64% | 0.48% | 3.22% |
| Q1 2025 | 14.58% | 0.85% | 0.81% | 1.69% | 3.10% |
| Q4 2024 | 14.93% | 1.05% | 0.97% | 0.77% | 3.34% |
| Q3 2024 | 15.27% | 1.18% | 0.40% | 0.95% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| First State Bank of Livingston (main office) | Livingston , TX | 77351 | $259.1M |
| First National Bank of Jasper Branch | Jasper , TX | 75951 | $178.1M |
| Onalaska Branch | Onalaska , TX | 77360 | $60.4M |
| Woodville Branch | Woodville , TX | 75979 | $33.8M |
| Shepherd Branch | Shepherd , TX | 77371 | $26.4M |
| West Branch | Livingston , TX | 77351 | $23.2M |
| Buna Branch | Buna , TX | 77612 | $14.5M |
| Motor Bank Branch | Livingston , TX | 77351 | $0 |
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 |
|---|---|---|---|
| November 6, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 6, 2023 | Structure Change | Acquired First National Bank of Jasper Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
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.
- Deposit market share
- <0.1% of deposits in TX, rank 168 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 59 applications, 31 loans originated, $5.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 First State Bank of Livingston
What are First State Bank of Livingston's total assets?
As of the Q2 2026 filing, First State Bank of Livingston reported total assets of $689.3 million in its FFIEC call report.
Where is First State Bank of Livingston headquartered?
It is headquartered in Livingston, TX, United States.
When was First State Bank of Livingston founded?
It was established in 1910, per the FDIC institution directory.
Is First State Bank of Livingston FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15898). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank of Livingston?
First State Bank of Livingston's primary federal regulator is the Federal Reserve.
How many branches does First State Bank of Livingston operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank of Livingston's Texas Ratio?
Its Texas Ratio is 4.10% 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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