A
The First National Bank of Livingston
Rating Date
October 2025
Risk Based
Capital Ratio
36.73
Leverage
Ratio
14.65
Return On
Assets
1.70%
Total
Assets
452.38M
Capital
58.39M
Total
Deposits
391.11M
Net
Income
3.92M
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Weiss Ratings The First National Bank of Livingston
Livingston, TX 		Click to
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Rating A
Asset Quality Index 8.90
Capitalization Index 10.00
Liquidity Index 4.30
Profitability Index 6.10
Stability Index 7.30
Company Info The First National Bank of Livingston
Livingston, TX 		Click to
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FDIC Number 3305
Phone Number (936) 327-1234
Website www.fnblivingston.com
Asset Quality The First National Bank of Livingston
Livingston, TX 		Click to
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1-Year Asset Growth -8.12%
5-Year Asset Growth 3.80%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.20%
Non-Performing Loans to Loans 0.07%
Balance Sheet The First National Bank of Livingston
Livingston, TX 		Click to
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Total Assets 452.38M
Total Deposits 391.11M
Capital and Reserves The First National Bank of Livingston
Livingston, TX 		Click to
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Capital 58.39M
Leverage Ratio 14.65
Loan Loss Reserves to Loans 1.47%
Risk-Based Capital Ratio 36.73
Liquidity The First National Bank of Livingston
Livingston, TX 		Click to
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Hot Money Ratio 3.64%
Liquidity Ratio 33.72%
Profitability The First National Bank of Livingston
Livingston, TX 		Click to
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5-Year Return on Average Assets 1.15%
Net Income 3.92M
Net Interest Spread 3.41%
Operating Profit to Average Assets 1.70%
Overhead Efficiency Ratio 66.80%
Return on Assets 1.70%
Return on Equity 14.06%