BlastPoint's Banking Scorecard
The First National Bank of Livingston
Micro
Specialty: Other
TX
FDIC cert 3305
Designations: ✓ Community bank
Livingston, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank of Livingston demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 23.53% above tier
- + Tier 1 Capital Ratio 27.66% above tier
- + Non-Interest Income / Assets 1.63% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$442.1M
-2.1% YoY
-3.6% QoQ
|
+$224.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$215.0M
+7.9% YoY
+2.1% QoQ
|
+$75.8M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$373.9M
-5.3% YoY
-5.1% QoQ
|
+$190.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
1.92%
+49.1% YoY
+6.1% QoQ
|
+0.83% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
3.71%
+32.8% YoY
+2.4% QoQ
|
-0.14% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
65.01%
-7.5% YoY
-1.9% QoQ
|
-2.72% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.02%
-20.3% YoY
-10.4% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
57.50%
+14.0% YoY
+7.6% QoQ
|
-17.03% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
45.92%
-0.1% YoY
-5.1% QoQ
|
+23.53% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-12.2% YoY
-5.1% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
36.51%
+3.8% YoY
+2.3% QoQ
|
+27.66% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
2.19%
+6.3% YoY
+40.2% QoQ
|
+1.63% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (3)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
45.92%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
36.51%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.19%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
98
98th pctile
Tier 1 Capital Ratio
Current: 36.51% · Tier avg: 8.85%
98
98th pctile
Non-Interest Income / Assets
Current: 2.19% · Tier avg: 0.56%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.92% · Tier avg: 22.39%
94
94th pctile
Total Assets
Current: $442.1M · Tier avg: $217.5M
93
93th pctile
Total Deposits
Current: $373.9M · Tier avg: $183.7M
89
89th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.08%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
79
79th pctile
Loan-to-Deposit Ratio
Current: 57.50% · Tier avg: 74.53%
78
78th pctile
Total Loans
Current: $215.0M · Tier avg: $139.2M
53
53th pctile
Efficiency Ratio
Current: 65.01% · Tier avg: 67.73%
45
45th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.85%
Top Weaknesses
45
45th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.85%
53
53th pctile
Efficiency Ratio
Current: 65.01% · Tier avg: 67.73%
78
78th pctile
Total Loans
Current: $215.0M · Tier avg: $139.2M
79
79th pctile
Loan-to-Deposit Ratio
Current: 57.50% · Tier avg: 74.53%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
89
89th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.08%
93
93th pctile
Total Deposits
Current: $373.9M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $442.1M · Tier avg: $217.5M
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.92% · Tier avg: 22.39%
98
98th pctile
Non-Interest Income / Assets
Current: 2.19% · Tier avg: 0.56%
98
98th pctile
Tier 1 Capital Ratio
Current: 36.51% · Tier avg: 8.85%