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The First National Bank Of Livingston
Livingston, TX · FDIC Certificate #3305 · Chartered 03/1
Total assets
$467.16M
Total deposits
$398.33M
Total equity
$66.76M
Net loans
$223.65M
Branches (offices)
3
Net income (YTD)
$5.43M
Rank: #1,864 of 4,213 U.S. banks by assets · #166 of 346 in Texas. Assets changed 3.3% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.36% |
| Return on equity | 16.58% |
| Net interest margin (YTD) | 4.02% |
| Equity to assets | 14.29% |
| Tier 1 leverage ratio | 15.54% |
| Uninsured deposits (share of deposits) | 21.2% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 56.1% |
| Real estate loans (share of loans) | 87.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $194.67M | 87.0% | |
| Commercial & industrial | $14.12M | 6.3% | |
| Consumer / individual | $15.39M | 6.9% | |
| Construction & development | $25.80M | 11.5% | |
| Agricultural | $20.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $526.64M | $488.25M | $3.01M | $36.96M |
| Jun 2023 | $496.06M | $441.86M | $2.58M | $37.72M |
| Jun 2024 | $492.38M | $399.94M | $2.81M | $46.84M |
| Jun 2025 | $452.38M | $391.11M | $3.92M | $58.39M |
| Jun 2026 | $467.16M | $398.33M | $5.43M | $66.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $398.33M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $398.33M.
Similar-sized banks
Mcbank ($467.17M) · First National Bank In New Bremen ($467.06M)
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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