First State Bank of Livingston: how it compares with its peers
Against 124 TX banks with half to twice its assets, First State Bank of Livingston's strongest measure in Q2 2026 is return on assets (1.05% vs. a 1.43% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $7.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.05% | 1.43% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.25% | 4.19% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.50% | 60.06% | Bottom third Ahead of 27% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $7.8M | Bottom third Ahead of 12% of peers |
| Loans to deposits Net loans and leases over total deposits. | 35.85% | 77.35% | Context |
What it means for lending operations
Its efficiency ratio of 68.50% is above the 60.06% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Capital Bank Jacinto City, TX · $690M
- Citizens National Bank Cameron, TX · $692M
- Southwest Bank Odessa, TX · $694M
- First Bank Burkburnett, TX · $704M
- TXN Bank Hondo, TX · $669M
- Pilgrim Bank Pittsburg, TX · $715M
Questions about First State Bank of Livingston
How big is First State Bank of Livingston?
First State Bank of Livingston, established in 1910, is headquartered in Livingston, TX. It reported $689M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is First State Bank of Livingston's return on assets?
1.05% annualized in Q2 2026, against a 1.43% median for 124 TX banks with half to twice its assets, ahead of 27% of them.
What is First State Bank of Livingston's efficiency ratio?
68.50% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 60.06%, and lower is better.
Is First State Bank of Livingston growing its loans?
Net loans shrank 1.3% over the year to Q2 2026, while deposits grew 0.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.