First State Bank of Livingston: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 2.89 percentage points higher than in Q1 2026, at 59.09%. Within Texas, First State Bank of Livingston is 250th of 345 on return on assets, 1.09% as of Q2 2026, below the middle of the field. First State Bank of Livingston reported 1.09% on return on assets for Q2 2026, 0.17 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.52% |
| Equity capital to assets | 13.18% |
| Tangible equity to tangible assets | 13.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.72% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 4.52% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 70.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 8.71% |
| Net interest margin | 3.32% |
| Efficiency ratio | 63.95% |
| Yield on earning assets | 4.52% |
| Cost of funds | 1.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 36.29% |
| Core deposits to total deposits | 97.82% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.39% |
| Securities to assets | 59.09% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.29% | 0.81% | 2.98% | 0.37% | 0.02% |
| Q4 2023 | 14.58% | 2.73% | 7.96% | 0.24% | 0.31% |
| Q1 2024 | 14.27% | 0.89% | 3.09% | 0.26% | 0.03% |
| Q2 2024 | 14.54% | 1.04% | 3.23% | 0.40% | 0.05% |
| Q3 2024 | 15.27% | 1.18% | 3.32% | 0.37% | 0.02% |
| Q4 2024 | 14.93% | 1.05% | 3.34% | 0.32% | 0.08% |
| Q1 2025 | 14.58% | 0.85% | 3.10% | 0.29% | 0.06% |
| Q2 2025 | 15.15% | 0.98% | 3.22% | 0.21% | 0.11% |
| Q3 2025 | 15.91% | 0.79% | 3.27% | 1.70% | 0.01% |
| Q4 2025 | 15.65% | 1.10% | 3.43% | 1.72% | 0.08% |
| Q1 2026 | 14.98% | 0.92% | 3.19% | 1.70% | 0.04% |
| Q2 2026 | 15.52% | 1.09% | 3.32% | 1.72% | 0.03% |
First State Bank of Livingston vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Livingston, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)