TellerScore

Headquartered in Livingston, Texas, First State Bank of Livingston is a state-chartered bank (fed member) with $689.3M in total assets and $595.5M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1910.

First State Bank of Livingston has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 213th. Capital cushion contributes the most (100/100, 15.52%); loan quality contributes the least (36/100, 1.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.52%
Loan quality36/100
Noncurrent loans ÷ total loans: 1.93%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 35.9% · 40.0% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.46%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 11 points (82 → 71), mostly because the loan quality component weakened by 43 points.

TellerScore
657686Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202486
Q4 202480
Q1 202579
Q2 202582
Q3 202572
Q4 202565
Q1 202670
Q2 202671
Tier 1 leverage ratio
5.00%10.45%15.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.54%
Q3 202415.27%
Q4 202414.93%
Q1 202514.58%
Q2 202515.15%
Q3 202515.91%
Q4 202515.65%
Q1 202614.98%
Q2 202615.52%
Noncurrent loans
0.36%1.42%2.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.36%
Q3 20240.40%
Q4 20240.97%
Q1 20250.81%
Q2 20250.64%
Q3 20251.72%
Q4 20252.48%
Q1 20261.95%
Q2 20261.93%
Return on assets
0.89%0.98%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.01%
Q3 20241.08%
Q4 20241.07%
Q1 20250.89%
Q2 20250.96%
Q3 20250.90%
Q4 20250.95%
Q1 20260.96%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$689.3M15.52%1.93%1.05%35.9%
Q1 202670$724.4M14.98%1.95%0.96%34.0%
Q4 202565$706.7M15.65%2.48%0.95%35.4%
Q3 202572$694.8M15.91%1.72%0.90%36.1%
Q2 202582$678.5M15.15%0.64%0.96%36.5%
Q1 202579$720.7M14.58%0.81%0.89%34.4%
Q4 202480$704.4M14.93%0.97%1.07%34.8%
Q3 202486$689.5M15.27%0.40%1.08%35.6%
Q2 202484$694.9M14.54%0.36%1.01%34.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.52%
89th
Total risk-based capital0.00%
24th
Problem loans1.93%
13th
Net charge-offs0.04%
32nd
Return on assets1.05%
37th
Net interest margin3.25%
18th
Efficiency ratio68.5%
34th
Loans to deposits35.9%
97th
Uninsured deposits40.0%
10th
Loan-loss reserves1.22%
53rd
Texas ratio4.5%
38th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Capital BankBank Jacinto City, TX77 out of 100, Strong$689.7M10.8%0.01%vs
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Southwest BankBank Odessa, TX76 out of 100, Strong$693.7M11.3%0.34%vs
First BankBank Burkburnett, TX81 out of 100, Strong$703.6M13.9%0.80%vs
TXN BankBank Hondo, TX64 out of 100, Moderate$669.2M9.7%0.98%vs
Pilgrim BankBank Pittsburg, TX68 out of 100, Moderate$714.6M10.2%0.15%vs

Deposit insurance

Is my money safe at First State Bank of Livingston?

Yes. First State Bank of Livingston is an FDIC-insured institution (FDIC certificate #15898). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.0% of deposits ($238.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

First State Bank of Livingston lists 7 offices in 6 cities. Most locations:

  • Livingston, TX (2)
  • Buna, TX (1)
  • Jasper, TX (1)
  • Onalaska, TX (1)
  • Shepherd, TX (1)
  • Woodville, TX (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First State Bank of Livingston reported 59 home-loan applications under HMDA (LEI 254900V3UIQOTJCM3S60): 31 originated ($5,005,000 total), 17 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First State Bank of Livingston
Type
State-chartered bank (Fed member)
FDIC certificate #
15898
RSSD ID
884358
Primary regulator
FED
Holding company
East Texas Bancshares Inc
Established
October 5, 1910
Headquarters
112 W Polk St, Livingston, TX 77351
Employees
129

Quick answers

First State Bank of Livingston: common questions

Is First State Bank of Livingston FDIC insured?

Yes. First State Bank of Livingston is an FDIC-insured institution (FDIC certificate #15898). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank of Livingston's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First State Bank of Livingston ever failed?

There is no failure record for FDIC certificate #15898 in the FDIC failed bank list.

How many branches does First State Bank of Livingston have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Livingston

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of LivingstonBank Livingston, TX98 out of 100, Very strong$467.2M15.5%0.05%vs
The Bank of San Jacinto County, Coldspring, TexasBank Coldspring, TX97 out of 100, Very strong$42.0M17.8%0.00%vs
Citizens State BankBank Corrigan, TX83 out of 100, Strong$190.6M12.0%0.50%vs
Peoples State BankBank Shepherd, TX68 out of 100, Moderate$181.2M10.7%1.25%vs
PNC Bank, National AssociationBank Wilmington, DE62 out of 100, Moderate$609.8B9.0%0.74%vs
Woodforest National BankBank The Woodlands, TX60 out of 100, Moderate$9.0B9.3%1.93%vs