Side-by-side · Q2 2026 data
TXN Bank vs First State Bank of Livingston
Metric by metric
| Measure | TXN Bank | First State Bank of Livingston |
|---|---|---|
| TellerScore | 64 | 71 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 67 (stronger) | 36 |
| Earnings | 60 | 62 (stronger) |
| Funding & liquidity | 83 (stronger) | 73 |
| Problem-loan coverage | 88 | 91 (stronger) |
| Peer percentile | 26th | 47th |
| Total assets | $669.2M | $689.3M |
| Deposits / shares | $613.0M | $595.5M |
| Capital ratio | 9.68% | 15.52% (stronger) |
| Problem loans | 0.98% (stronger) | 1.93% |
| Net charge-offs | 0.06% | 0.04% (stronger) |
| Return on assets | 0.99% | 1.05% (stronger) |
| Loans ÷ deposits | 54.0% | 35.9% (stronger) |
| Uninsured deposits | 31.0% (stronger) | 40.0% |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | 30.9% |
First State Bank of Livingston has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), TXN Bank leads on 2 and First State Bank of Livingston on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.