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Lovelady State Bank
Lovelady, TX · FDIC Certificate #21807 · Chartered 11/0
Total assets
$52.50M
Total deposits
$44.87M
Total equity
$6.62M
Net loans
$23.23M
Branches (offices)
1
Net income (YTD)
$318.00K
Rank: #4,025 of 4,213 U.S. banks by assets · #339 of 346 in Texas. Assets changed -4.4% and deposits -5.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.18% |
| Return on equity | 9.77% |
| Net interest margin (YTD) | 4.67% |
| Equity to assets | 12.62% |
| Tier 1 leverage ratio | 12.84% |
| Uninsured deposits (share of deposits) | 11.7% |
| Noncurrent loans (share of loans) | 1.42% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 51.8% |
| Real estate loans (share of loans) | 50.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $11.73M | 50.5% | |
| Commercial & industrial | $5.00M | 21.5% | |
| Consumer / individual | $5.20M | 22.4% | |
| Construction & development | $707.00K | 3.0% | |
| Agricultural | $1.60M | 6.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $56.44M | $51.37M | $195.00K | $4.66M |
| Jun 2023 | $52.06M | $46.35M | $389.00K | $5.08M |
| Jun 2024 | $50.20M | $43.48M | $398.00K | $5.96M |
| Jun 2025 | $54.90M | $47.66M | $326.00K | $6.27M |
| Jun 2026 | $52.50M | $44.87M | $318.00K | $6.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $44.87M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $44.87M.
Similar-sized banks
Citizens Bank Of Morgantown, Inc. ($52.59M) · Echelon Bank ($52.16M)
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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