Lovelady State Bank is a state-chartered bank headquartered in Lovelady, Texas, in business for about 52 years. At the end of Q2 2026 it reported $52.5M in total assets and $44.9M in deposits, with 1 office.
Based on its Q2 2026 filing, Lovelady State Bank scores 73/100, which we describe as strong. That is higher than only 48% of 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 199th. Its strongest component is funding & liquidity (100/100; 52% loans-to-deposits, 12% uninsured), and its lowest is loan quality (53/100; 1.42%).
TellerScore · Q2 2026
Scorecard
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 3 points (76 → 73), mostly because the loan quality component weakened by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 75 |
| Q4 2024 | 74 |
| Q1 2025 | 80 |
| Q2 2025 | 76 |
| Q3 2025 | 78 |
| Q4 2025 | 78 |
| Q1 2026 | 75 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.94% |
| Q3 2024 | 12.88% |
| Q4 2024 | 11.91% |
| Q1 2025 | 11.87% |
| Q2 2025 | 11.91% |
| Q3 2025 | 12.08% |
| Q4 2025 | 11.80% |
| Q1 2026 | 12.25% |
| Q2 2026 | 12.84% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.41% |
| Q3 2024 | 1.51% |
| Q4 2024 | 1.10% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.80% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.73% |
| Q1 2026 | 0.95% |
| Q2 2026 | 1.42% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.60% |
| Q3 2024 | 1.46% |
| Q4 2024 | 1.32% |
| Q1 2025 | 1.53% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.41% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.09% |
| Q2 2026 | 1.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $52.5M | 12.84% | 1.42% | 1.18% | 51.8% |
| Q1 2026 | 75 | $53.7M | 12.25% | 0.95% | 1.09% | 50.3% |
| Q4 2025 | 78 | $55.2M | 11.80% | 0.73% | 1.31% | 49.5% |
| Q3 2025 | 78 | $54.8M | 12.08% | 0.84% | 1.41% | 49.7% |
| Q2 2025 | 76 | $54.9M | 11.91% | 0.80% | 1.20% | 48.6% |
| Q1 2025 | 80 | $55.6M | 11.87% | 0.70% | 1.53% | 47.9% |
| Q4 2024 | 74 | $52.2M | 11.91% | 1.10% | 1.32% | 50.0% |
| Q3 2024 | 75 | $53.2M | 12.88% | 1.51% | 1.46% | 48.6% |
| Q2 2024 | 77 | $50.2M | 12.94% | 1.41% | 1.60% | 50.7% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Granger National BankBank Granger, TX | 73 out of 100, Strong | $53.5M | 13.6% | 0.11% | vs |
| The First National Bank of MoodyBank Moody, TX | 92 out of 100, Very strong | $54.2M | 18.3% | 0.00% | vs |
| State National BankBank Groom, TX | 72 out of 100, Strong | $55.1M | 12.6% | 0.35% | vs |
| The Donley County State BankBank Clarendon, TX | 66 out of 100, Moderate | $49.7M | 20.9% | 2.77% | vs |
| Amistad BankBank Del Rio, TX | 86 out of 100, Very strong | $57.0M | 15.3% | 0.00% | vs |
| The First National Bank in CooperBank Cooper, TX | 72 out of 100, Strong | $57.3M | 13.1% | 1.44% | vs |
Deposit insurance
Is my money safe at Lovelady State Bank?
Yes. Lovelady State Bank is an FDIC-insured institution (FDIC certificate #21807). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.7% of deposits ($5.3M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.56% (benchmark: 10%).
1 location
Branches
Lovelady State Bank lists 1 office in 1 city. Most locations:
- Lovelady, TX (1)
Identity & history
Profile
- Legal name
- Lovelady State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 21807
- RSSD ID
- 764151
- Primary regulator
- FDIC
- Established
- November 4, 1974
- Headquarters
- 910 S Commerce St, Lovelady, TX 75851
- Website
- www.loveladystatebank.com
- Employees
- 11
Quick answers
Lovelady State Bank: common questions
Is Lovelady State Bank FDIC insured?
Yes. Lovelady State Bank is an FDIC-insured institution (FDIC certificate #21807). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Lovelady State Bank's TellerScore?
73 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 Lovelady State Bank ever failed?
There is no failure record for FDIC certificate #21807 in the FDIC failed bank list.
How many branches does Lovelady State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lovelady
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of HuntsvilleBank Huntsville, TX | 90 out of 100, Very strong | $584.9M | 13.3% | 0.05% | vs |
| Southland Federal Credit UnionCredit union Lufkin, TX | 85 out of 100, Very strong | $89.2M | 14.4% | 0.62% | vs |
| Citizens State BankBank Corrigan, TX | 83 out of 100, Strong | $190.6M | 12.0% | 0.50% | vs |
| Citizens National BankBank Crockett, TX | 80 out of 100, Strong | $108.8M | 12.8% | 0.00% | vs |
| Commercial Bank of Texas, National AssociationBank Nacogdoches, TX | 77 out of 100, Strong | $1.7B | 10.6% | 0.14% | vs |
| The First National Bank of TrinityBank Trinity, TX | 73 out of 100, Strong | $92.8M | 9.2% | 0.00% | vs |