Side-by-side · Q2 2026 data
The First National Bank of Livingston vs First State Bank
Metric by metric
| Measure | The First National Bank of Livingston | First State Bank |
|---|---|---|
| TellerScore | 98 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 45 |
| Loan quality | 98 (stronger) | 54 |
| Earnings | 100 (stronger) | 99 |
| Funding & liquidity | 93 (stronger) | 55 |
| Problem-loan coverage | 100 (stronger) | 74 |
| Peer percentile | 100th | 22nd |
| Total assets | $467.2M | $478.1M |
| Deposits / shares | $398.3M | $429.1M |
| Capital ratio | 15.54% (stronger) | 9.48% |
| Problem loans | 0.05% (stronger) | 1.38% |
| Net charge-offs | 0.02% (stronger) | 0.09% |
| Return on assets | 2.36% (stronger) | 1.98% |
| Loans ÷ deposits | 56.1% (stronger) | 81.5% |
| Uninsured deposits | 21.2% (stronger) | 36.2% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.3% |
The First National Bank of Livingston has the higher TellerScore (98 vs 62). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Livingston leads on 7 and First State Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.