A
The First National Bank of Livingston
Rating Date
October 2025
Risk Based
Capital Ratio
36.95
Leverage
Ratio
14.92
Return On
Assets
1.78%
Total
Assets
458.56M
Capital
62.41M
Total
Deposits
393.98M
Net
Income
6.16M
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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 6.80
Stability Index 7.60
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 -4.58%
5-Year Asset Growth 3.80%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.07%
Non-Performing Loans to Loans 0.02%
Balance Sheet The First National Bank of Livingston
Livingston, TX 		Click to
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Total Assets 458.56M
Total Deposits 393.98M
Capital and Reserves The First National Bank of Livingston
Livingston, TX 		Click to
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Capital 62.41M
Leverage Ratio 14.92
Loan Loss Reserves to Loans 1.45%
Risk-Based Capital Ratio 36.95
Liquidity The First National Bank of Livingston
Livingston, TX 		Click to
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Hot Money Ratio 3.71%
Liquidity Ratio 35.61%
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 6.16M
Net Interest Spread 3.49%
Operating Profit to Average Assets 1.78%
Overhead Efficiency Ratio 66.24%
Return on Assets 1.78%
Return on Equity 14.34%