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First State Bank Of Livingston
Livingston, TX · FDIC Certificate #15898 · Chartered 10/0
Total assets
$689.30M
Total deposits
$595.52M
Total equity
$90.84M
Net loans
$213.51M
Branches (offices)
8
Net income (YTD)
$3.70M
Rank: #1,385 of 4,213 U.S. banks by assets · #127 of 346 in Texas. Assets changed 1.6% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.05% |
| Return on equity | 8.20% |
| Net interest margin (YTD) | 3.25% |
| Equity to assets | 13.18% |
| Tier 1 leverage ratio | 15.52% |
| Uninsured deposits (share of deposits) | 40.0% |
| Noncurrent loans (share of loans) | 1.93% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 35.9% |
| Real estate loans (share of loans) | 47.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $100.44M | 47.0% | |
| Commercial & industrial | $16.67M | 7.8% | |
| Consumer / individual | $20.14M | 9.4% | |
| Construction & development | $13.02M | 6.1% | |
| Agricultural | $109.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $435.00M | $389.57M | $506.00K | $45.02M |
| Jun 2023 | $422.33M | $375.10M | $2.68M | $46.11M |
| Jun 2024 | $694.86M | $610.23M | $3.57M | $81.74M |
| Jun 2025 | $678.53M | $593.26M | $3.36M | $82.09M |
| Jun 2026 | $689.30M | $595.52M | $3.70M | $90.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $595.52M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $595.52M.
Similar-sized banks
Capital Bank ($689.72M) · Bankorion ($688.08M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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