Lovelady State Bank
BankRegReports is independent of Lovelady State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Lovelady State Bank is an FDIC-insured commercial bank headquartered in Lovelady, TX, established in 1974 (FDIC certificate 21807), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $52.5M, down 4.4% from Q2 2025, the 339th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 23.40% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21807
- Headquarters
- Lovelady, TX
- Established
- 1974
- Total assets, Q2 2026
- $52.5M
- Assets vs Q2 2025
- -4.4%
- CET1 ratio, Q2 2026
- 23.40%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 113106532
- Latest call report
- Q2 2026, FFIEC 051 · Lovelady State Bank call report
- Asset rank in state
- 339th of 346 in Texas
Problem loans are rising at Lovelady State Bank. Its balance sheet stood at $53 million at June 30, 2026, down 4.4% from a year earlier; it is based in Lovelady, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.42% of loans from 0.80% a year earlier. It lost 5.9% of its deposits over the year, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 2.5%). It also carries problem assets equal to 8.4% of the capital and reserves that would absorb them, 6.1 times the median of 1.4% for banks its size.
Earnings jumped: net income for the quarter was $170,000, 43% above the same quarter a year earlier. The commercial and industrial book ($5.0 million) is worsening: 7.34% of it is past due or on nonaccrual, up from 5.58% a year earlier. One more trend to watch: loans and deposits moved in opposite directions: over the year loans rose 0.2% and deposits fell 5.9%.
As of June 30, 2026, Lovelady State Bank reported a CET1 capital ratio of 23.40%, a return on assets of 1.28%, a nonperforming-loan ratio of 1.42% and a Texas ratio of 8.38%. The figures come from its call report filed with the FFIEC.
Lovelady State Bank ranks as the 339th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.2% to $52.5M, loans were flat and deposits fell 2.9%. 1-4 family residential loans made up 32.4% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 21.2%. The FDIC Summary of Deposits lists a single office for it, in Lovelady, TX. By the capital ratios in its Q2 2026 call report, Lovelady State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 910 S Commerce St, Lovelady, TX 75851
- County
- Houston
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 4, 1974
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $44.9M
- Allowance for credit losses
- $336K
- Net charge-offs (YTD)
- $0
- Average total assets
- $53.0M
- Average total loans
- $23.6M
- Average interest-bearing deposits
- $30.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 4, 1974
- FDIC Cert
- 21807
- Fed RSSD
- 764151
- Website
- www.loveladystatebank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Lovelady State Bank's total assets moved between a low of $48.9M (Q1 2024) and a high of $55.6M (Q1 2025) from Q3 2023 to Q2 2026, 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
$52.5M total assets against $54.9M; $45.9M total liabilities against $48.6M.
$23.2M net loans and leases against $23.2M; $44.9M total deposits against $47.7M.
$9.3M securities against $7.1M; $17.5M cash and balances due against $22.5M.
$681K total interest income against $697K; $125K total interest expense against $132K.
$556K net interest income against $565K.
$24K total noninterest income against $75K; $410K total noninterest expense against $511K.
$0 provision for credit losses against $10K.
$170K net income against $119K.
1.28% return on assets against 0.87%; 4.53% net interest margin against 4.40%.
23.40% CET1 capital ratio against 22.20%; 12.84% tier 1 leverage ratio against 11.91%.
Inside the full Lovelady State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLovelady State Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.87% (Q2 2025) to 1.80% (Q3 2025) and its net interest margin ran from 4.11% (Q1 2026) to 4.84% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.40% | 1.28% | 1.42% | 8.38% | 4.53% |
| Q1 2026 | 23.03% | 1.08% | 0.95% | 6.92% | 4.11% |
| Q4 2025 | 21.87% | 1.01% | 0.73% | 6.32% | 4.33% |
| Q3 2025 | 22.49% | 1.80% | 0.84% | 6.55% | 4.77% |
| Q2 2025 | 22.20% | 0.87% | 0.80% | 6.61% | 4.40% |
| Q1 2025 | 22.05% | 1.52% | 0.70% | 6.31% | 4.23% |
| Q4 2024 | 21.96% | 0.91% | 1.10% | 8.02% | 4.84% |
| Q3 2024 | 22.94% | 1.21% | 1.51% | 8.98% | 4.83% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Lovelady State Bank (main office) | Lovelady , TX | 75851 | $44.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 419 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Lovelady State Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Lovelady State Bank
What are Lovelady State Bank's total assets?
As of the Q2 2026 filing, Lovelady State Bank reported total assets of $52.5 million in its FFIEC call report.
Where is Lovelady State Bank headquartered?
It is headquartered in Lovelady, TX, United States.
When was Lovelady State Bank founded?
It was established in 1974, per the FDIC institution directory.
Is Lovelady State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21807). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lovelady State Bank?
Lovelady State Bank's primary federal regulator is the FDIC.
What is Lovelady State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.40% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Lovelady State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lovelady State Bank's Texas Ratio?
Its Texas Ratio is 8.38% 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.
Go deeper on Lovelady State Bank.
Get an email when Lovelady State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Lovelady State Bank, freeFree account