First State Bank of Livingston: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank of Livingston of Livingston, TX against its peer group of 2672 similarly-sized US banks as of Q2 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 | 1.09% | 1.35% | -0.26% | 38th below |
| ROAE | 8.71% | 12.06% | -3.35% | 29th below |
| Net Interest Margin | 3.32% | 3.90% | -0.58% | 21st bottom |
| Efficiency Ratio | 63.95% | 63.15% | +0.80% | 42nd below |
| PPNR / Avg Assets | 1.22% | 1.64% | -0.42% | 29th below |
| Yield on Earning Assets | 4.52% | 5.65% | -1.13% | 9th bottom |
| Cost of Funds | 1.39% | 1.85% | -0.46% | 76th top |
| Net Interest Spread | 2.48% | 3.35% | -0.87% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.72% | 0.92% | +0.80% | 16th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.54% | 0.67% | -0.13% | 36th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 31st below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 52nd above |
| ACL / NPLs (Coverage) | 70.58% | 1645.81% | -1575.23% | 18th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.52% | 7.15% | -2.63% | 44th below |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.52% | 12.46% | +3.06% | 88th top |
| Equity / Assets | 13.18% | 11.67% | +1.51% | 79th top |
| TCE / Tangible Assets | 13.18% | 11.40% | +1.78% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 36.29% | 78.66% | -42.37% | 97th top |
| Core Deposit Ratio | 97.82% | 87.09% | +10.73% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.59% | 6.48% | -4.89% | 30th below |
| Loan Growth (Y/Y) | -1.17% | 7.64% | -8.81% | 18th bottom |
| Deposit Growth (Y/Y) | 0.38% | 6.03% | -5.65% | 25th below |
See First State Bank of Livingston's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State 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 First State Bank of Livingston profile, how to read a UBPR, or how this data updates.