First State Bank of Livingston: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 1.84 percentage points in Q2 2026, from 34.45% to 36.29%. It was the largest change from Q1 2026 among the key lines here. First State Bank of Livingston ranks 310th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 36.29% (Q2 2026). First State Bank of Livingston's loan-to-deposit ratio of 36.29% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 44.54 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $216.1M |
| Net loans and leases | $213.5M |
| Loans held for sale | $0 |
| Loans to total assets | 31.36% |
| Loan-to-deposit ratio | 36.29% |
| Net loans to equity capital | 2.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.69% |
| Multifamily (5+ residential) | 0.15% |
| Commercial and industrial | 7.71% |
| Consumer | 9.32% |
| Credit cards | 0.00% |
| Farm | 3.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 36.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 13.84% |
| Construction concentration (Tier 1 capital + allowance) | 11.27% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $3.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $143.8M | $367.2M | 15.26% | 3.02% | 6.90% |
| Q4 2023 | $212.1M | $615.2M | 16.91% | 5.34% | 9.80% |
| Q1 2024 | $209.4M | $648.9M | 16.64% | 5.06% | 9.70% |
| Q2 2024 | $210.0M | $610.2M | 16.52% | 5.04% | 9.55% |
| Q3 2024 | $215.5M | $597.4M | 16.22% | 4.72% | 9.28% |
| Q4 2024 | $219.1M | $622.1M | 16.10% | 5.18% | 8.93% |
| Q1 2025 | $220.6M | $633.5M | 15.76% | 5.78% | 9.18% |
| Q2 2025 | $218.7M | $593.3M | 15.72% | 6.32% | 9.25% |
| Q3 2025 | $220.2M | $602.7M | 14.59% | 6.33% | 9.37% |
| Q4 2025 | $220.1M | $615.0M | 14.29% | 7.26% | 9.22% |
| Q1 2026 | $217.4M | $631.0M | 14.06% | 8.00% | 9.17% |
| Q2 2026 | $216.1M | $595.5M | 14.69% | 7.71% | 9.32% |
First State Bank of Livingston loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Livingston, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank of Livingston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15898) · FFIEC NIC profile (RSSD 884358)