The First National Bank of Livingston is a national bank headquartered in Livingston, Texas, in business for about 124 years. At the end of Q2 2026 it reported $467.2M in total assets and $398.3M in deposits, with 3 offices.
The First National Bank of Livingston has a TellerScore of 98 out of 100 (very strong) based on Q2 2026 data — higher than 100% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 1st. Its five components are fairly even, ranging from 93 to 100 out of 100.
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 rose 3 points (95 → 98), mostly because the earnings component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 88 |
| Q4 2024 | 89 |
| Q1 2025 | 96 |
| Q2 2025 | 95 |
| Q3 2025 | 97 |
| Q4 2025 | 99 |
| Q1 2026 | 98 |
| Q2 2026 | 98 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.42% |
| Q3 2024 | 13.56% |
| Q4 2024 | 13.68% |
| Q1 2025 | 14.75% |
| Q2 2025 | 14.65% |
| Q3 2025 | 14.92% |
| Q4 2025 | 15.30% |
| Q1 2026 | 15.39% |
| Q2 2026 | 15.54% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.05% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 1.19% |
| Q4 2024 | 1.29% |
| Q1 2025 | 1.70% |
| Q2 2025 | 1.73% |
| Q3 2025 | 1.81% |
| Q4 2025 | 1.92% |
| Q1 2026 | 2.28% |
| Q2 2026 | 2.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 98 | $467.2M | 15.54% | 0.05% | 2.36% | 56.1% |
| Q1 2026 | 98 | $468.7M | 15.39% | 0.09% | 2.28% | 55.4% |
| Q4 2025 | 99 | $442.1M | 15.30% | 0.02% | 1.92% | 57.5% |
| Q3 2025 | 97 | $458.6M | 14.92% | 0.02% | 1.81% | 53.4% |
| Q2 2025 | 95 | $452.4M | 14.65% | 0.07% | 1.73% | 53.1% |
| Q1 2025 | 96 | $453.5M | 14.75% | 0.07% | 1.70% | 52.3% |
| Q4 2024 | 89 | $451.5M | 13.68% | 0.02% | 1.29% | 50.4% |
| Q3 2024 | 88 | $480.5M | 13.56% | 0.03% | 1.19% | 49.3% |
| Q2 2024 | 87 | $492.4M | 13.42% | 0.03% | 1.15% | 49.3% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| MCBankBank Goldthwaite, TX | 55 out of 100, Moderate | $467.2M | 10.0% | 2.57% | vs |
| Shelby Savings Bank, SSBBank Center, TX | 69 out of 100, Moderate | $457.4M | 11.1% | 1.05% | vs |
| Trinity Capital Bank of TexasBank Ennis, TX | 69 out of 100, Moderate | $456.6M | 9.6% | 0.33% | vs |
| First State BankBank Clute, TX | 62 out of 100, Moderate | $478.1M | 9.5% | 1.38% | vs |
| The City National Bank of Colorado CityBank Colorado City, TX | 74 out of 100, Strong | $452.4M | 11.0% | 0.26% | vs |
| The Liberty National Bank in ParisBank Paris, TX | 75 out of 100, Strong | $452.1M | 12.8% | 0.88% | vs |
Deposit insurance
Is my money safe at The First National Bank of Livingston?
Yes. The First National Bank of Livingston is an FDIC-insured institution (FDIC certificate #3305). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.2% of deposits ($84.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 38.22% (benchmark: 10%).
3 locations
Branches
The First National Bank of Livingston lists 3 offices in 2 cities. Most locations:
- Livingston, TX (2)
- Onalaska, TX (1)
Identity & history
Profile
- Legal name
- The First National Bank of Livingston
- Type
- National bank
- FDIC certificate #
- 3305
- RSSD ID
- 630658
- Primary regulator
- OCC
- Holding company
- Fnb Co
- Established
- March 17, 1902
- Headquarters
- 2121 Us Highway 190 W, Livingston, TX 77351
- Website
- www.fnblivingston.com
- Employees
- 99
Quick answers
The First National Bank of Livingston: common questions
Is The First National Bank of Livingston FDIC insured?
Yes. The First National Bank of Livingston is an FDIC-insured institution (FDIC certificate #3305). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Livingston's TellerScore?
98 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank of Livingston ever failed?
There is no failure record for FDIC certificate #3305 in the FDIC failed bank list.
How many branches does The First National Bank of Livingston have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Livingston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of San Jacinto County, Coldspring, TexasBank Coldspring, TX | 97 out of 100, Very strong | $42.0M | 17.8% | 0.00% | vs |
| Citizens State BankBank Corrigan, TX | 83 out of 100, Strong | $190.6M | 12.0% | 0.50% | vs |
| First State Bank of LivingstonBank Livingston, TX | 71 out of 100, Strong | $689.3M | 15.5% | 1.93% | vs |
| Peoples State BankBank Shepherd, TX | 68 out of 100, Moderate | $181.2M | 10.7% | 1.25% | vs |
| PNC Bank, National AssociationBank Wilmington, DE | 62 out of 100, Moderate | $609.8B | 9.0% | 0.74% | vs |
| Woodforest National BankBank The Woodlands, TX | 60 out of 100, Moderate | $9.0B | 9.3% | 1.93% | vs |