The First National Bank of Livingston

BankLivingston, Texas
www.fnblivingston.com

Total Assets

$442.1M

Total Deposits

$373.9M

Branches

3

Established

1902

TFS Health Grade

$
C+

77.5 / 100

Average financial health

How we grade

The First National Bank of Livingston is a bank headquartered in Livingston, Texas, established in 1902. With $442.1M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C+ (77.5/100).

Capital & Safety

Tier 1 Capital Ratio
15.30%(8%)
Total Capital Ratio
37.76%(10%)
Non-Performing Loan Ratio
0.02%

Profitability

Return on Assets (ROA)
1.92%(1%)
Return on Equity (ROE)
14.76%(10%)
Net Interest Margin
3.71%
Efficiency Ratio
65.01%(60%)

Lending & Liquidity

Total Loans
$218.1M
Loan-to-Deposit Ratio
57.50%
Net Charge-Off Ratio
0.04%

Growth

Asset Growth (YoY)
-2.09%
Deposit Growth (YoY)
-5.34%
Net Income
$8.7M

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.

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