What is First State Bank of Livingston's financial health grade?

First State Bank of Livingston has a TFS Financial Health Grade of F (score: 54.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First State Bank of Livingston have?

First State Bank of Livingston has 8 branch locations across the United States.

Is First State Bank of Livingston FDIC insured?

Yes, First State Bank of Livingston is FDIC insured (Certificate #15898).

What are the total assets of First State Bank of Livingston?

First State Bank of Livingston has total assets of $706.7M as reported in its most recent FDIC filing.

First State Bank of Livingston

BankLivingston, Texas

www.fsblivingston.bank

Total Assets

$706.7M

Total Deposits

$615.0M

Branches

Established

1910

TFS Health Grade

54.7 / 100

Poor financial health

How we grade

First State Bank of Livingston is a bank headquartered in Livingston, Texas, established in 1910. With $706.7M in total assets and 8 branch locations, it has a TFS Financial Health Grade of F (54.7/100).

Capital & Safety

Tier 1 Capital Ratio

15.65%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

2.48%

Profitability

Return on Assets (ROA)

0.95%(1%)

Return on Equity (ROE)

7.85%(10%)

Net Interest Margin

3.19%

Efficiency Ratio

69.42%(60%)

Lending & Liquidity

Total Loans

$220.1M

Loan-to-Deposit Ratio

35.36%

Net Charge-Off Ratio

0.06%

Growth

Asset Growth (YoY)

+0.33%

Deposit Growth (YoY)

-1.16%

Net Income

$6.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First State Bank of LivingstonHQ	112 W Polk St	Livingston	TX	11
First State Bank of Livingston	35570 Us Highway 96 S	Buna	TX	11
First State Bank of Livingston	301 E Houston St	Jasper	TX	11
First State Bank of Livingston	600 North Jackson	Livingston	TX	23
First State Bank of Livingston	2300 Us Highway 190 W	Livingston	TX	11
First State Bank of Livingston	794 Us Highway 190 W	Onalaska	TX	11
First State Bank of Livingston	6320 Highway 59 S	Shepherd	TX	11
First State Bank of Livingston	270 Us Highway 190 E	Woodville	TX	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.