FDIC Cert #3305 · Livingston, Texas · Est. 1902

The First National Bank of Livingston - FDIC Bank Health Profile

A community-scale look at The First National Bank of Livingston's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$442M
Total assets
A
Health grade · Excellent
1.92%
Return on assets
36.5%
Tier 1 capital

Data updated July 2026

The verdict

The First National Bank of Livingston earns a PlainBankData health grade of A (93/100), with well-capitalized at 36.51% Tier 1, profitable at 1.92% ROA, 65% efficiency ratio.

#1,947
largest of 4,313 FDIC banks by assets
55th
percentile by asset size, nationally
36.51%
Tier 1 ratio - above the 10% well-capitalized line
89th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 3305 · TX A · 93/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (93/100)
  • UPPER-Q #465/4307
  • PHOTO-FINISH State Bank Northwest · WA
  • TIER1-WELL 36.5% Tier 1
  • TEXAS-CLEAN 0.1% Texas
  • ROA-STRONG 1.92% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: State Bank Northwest, WA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The First National Bank of Livingston

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First National Bank… · OK · …93/100First Southern Natio… · KY ·…93/100State Bank Northwest · WA · …93/100The Bippus State Bank · IN ·…93/100The First National B… · TX ·…93/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of Livingston · July 2026

Call Report read for The First National Bank of Livingston in a high-failure state

The First National Bank of Livingston (FDIC Cert #3305) carries a PlainBankData health grade of A at 93/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #465 of 4,307. Tier 1 capital prints at 36.51%, clearing the 10% well-capitalized line. The Texas Ratio is 0.06%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.92%. Balance-sheet scale is $442M, 1,947th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is State Bank Northwest (WA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The First National Bank of Livingston

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

The First National Bank of Livingston sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about The First National Bank of Livingston's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How The First National Bank of Livingston's 93/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10093/100
The First National Bank of Livingston's composite health score
Tier 1 Capital Ratio (36.51%) 40/40
Return on Assets (ROA) (1.92%) 25/25
Texas Ratio (0.06%) 20/20
Efficiency Ratio (65.01%) 8/15

93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$442M

Total balance-sheet footings

Total Deposits

$374M

Customer-funded liabilities

Net Loans

$215M

Outstanding loan book

Net Income

$9M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 35.11% 36.51% 37.91%
Basel III capital ratios - The First National Bank of Livingston

Where The First National Bank of Livingston ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Livingston's score of 93/100 falls in the highlighted band.

The First National Bank of Livingston: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

93 Top 11% higher than 89% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. The First National Bank of Livingston 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The First National Bank of Livingston's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The First National Bank of Livingston's $442M falls in the highlighted band.

Capital & credit buffers at The First National Bank of Livingston

Tier 1 capital ratio
Well-capitalized 10%

36.51% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
36.51%
Texas Ratio
0.06%
Equity Capital
$64M

What these ratios mean →

Earnings posture at The First National Bank of Livingston

Return on Assets (ROA)
89th percentile nationally
1.92%
Return on Equity (ROE)
14.76%
Efficiency Ratio
65.01%

What these mean →

Income & expense at The First National Bank of Livingston

$18M
Interest Income
$10M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Livingston reports a Texas Ratio of 0.06% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.06% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First National Bank of Livingston on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($442M here), outside Texas so the neighborhood is not state containment.

North Brookfield Savings Bank $442M · MA Liberty Bank $442M · CA Bankers' Bank of the West $442M · CO The Bank of Clarendon $442M · SC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Livingston (FDIC Cert #3305) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The First National Bank of Livingston Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%