A
The First National Bank of Livingston
Rating Date
August 2026
Risk Based
Capital Ratio
38.22
Leverage
Ratio
15.54
Return On
Assets
2.34%
Total
Assets
467.16M
Capital
66.76M
Total
Deposits
398.33M
Net
Income
5.43M
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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 4.20
Profitability Index 8.30
Stability Index 8.00
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 3.27%
5-Year Asset Growth 0.05%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 0.15%
Non-Performing Loans to Loans 0.05%
Balance Sheet The First National Bank of Livingston
Livingston, TX 		Click to
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Total Assets 467.16M
Total Deposits 398.33M
Capital and Reserves The First National Bank of Livingston
Livingston, TX 		Click to
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Capital 66.76M
Leverage Ratio 15.54
Loan Loss Reserves to Loans 1.52%
Risk-Based Capital Ratio 38.22
Liquidity The First National Bank of Livingston
Livingston, TX 		Click to
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Hot Money Ratio 4.11%
Liquidity Ratio 35.08%
Profitability The First National Bank of Livingston
Livingston, TX 		Click to
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5-Year Return on Average Assets 1.29%
Net Income 5.43M
Net Interest Spread 3.94%
Operating Profit to Average Assets 2.34%
Overhead Efficiency Ratio 59.55%
Return on Assets 2.34%
Return on Equity 16.59%