BlastPoint's Banking Scorecard
First State Bank of Livingston
Community
Specialty: Other
TX
FDIC cert 15898
Livingston, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First State Bank of Livingston has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 47.70% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 16% in Community
- - Margin Compression: Bottom 16% in Community
- - Flatlined Growth: Bottom 34% in Community
- - Delinquency Rate 1.88% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$706.7M
+0.3% YoY
+1.7% QoQ
|
-$684.7M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$217.5M
+0.4% YoY
-0.0% QoQ
|
-$758.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$615.0M
-1.2% YoY
+2.0% QoQ
|
-$549.6M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.95%
-11.5% YoY
+5.4% QoQ
|
-0.21% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
3.19%
-1.6% YoY
+1.0% QoQ
|
-0.47% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
69.42%
+4.0% YoY
-1.1% QoQ
|
+6.79% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
2.51%
+156.2% YoY
+44.3% QoQ
|
+1.88% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
35.36%
+1.6% YoY
-2.0% QoQ
|
-47.70% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.45%
+3.8% YoY
-7.1% QoQ
|
+10.40% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.77%
+156.3% YoY
+41.8% QoQ
|
+0.27% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.57%
-8.2% YoY
+36.2% QoQ
|
-0.17% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
35.36%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (4)
Capital Thin
risk
#69 of 432 · Bottom 16% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#20 of 120 · Bottom 16% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.95%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#85 of 245 · Bottom 34% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.95%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 7%
in Community
Why this stands out
Current:
2.51%
(Tier avg: 0.63%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Loan-to-Deposit Ratio
Current: 35.36% · Tier avg: 83.06%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.45% · Tier avg: 21.05%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
35
35th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.16%
30
30th pctile
Total Deposits
Current: $615.0M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Efficiency Ratio
Current: 69.42% · Tier avg: 62.63%
27
27th pctile
Total Assets
Current: $706.7M · Tier avg: $1.4B
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
25
25th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.66%
7
7th pctile
Delinquency Rate
Current: 2.51% · Tier avg: 0.63%
1
1th pctile
Total Loans
Current: $217.5M · Tier avg: $975.5M
Top Weaknesses
1
1th pctile
Total Loans
Current: $217.5M · Tier avg: $975.5M
7
7th pctile
Delinquency Rate
Current: 2.51% · Tier avg: 0.63%
25
25th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.66%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
27
27th pctile
Total Assets
Current: $706.7M · Tier avg: $1.4B
28
28th pctile
Efficiency Ratio
Current: 69.42% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Total Deposits
Current: $615.0M · Tier avg: $1.2B
35
35th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.16%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.45% · Tier avg: 21.05%
99
99th pctile
Loan-to-Deposit Ratio
Current: 35.36% · Tier avg: 83.06%