The First National Bank of Livingston: how it compares with its peers
Against 138 TX banks with half to twice its assets, The First National Bank of Livingston's strongest measure in Q2 2026 is return on assets (2.36% vs. a 1.46% peer median). Its weakest relative measure is assets per employee ($4.7M vs. $7.3M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.36% | 1.46% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.02% | 4.21% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.55% | 60.64% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.7M | $7.3M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 56.15% | 73.02% | Context |
What it means for lending operations
Its efficiency ratio of 59.55% is better than the 60.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- MCBank Goldthwaite, TX · $467M
- Shelby Savings Bank, SSB Center, TX · $457M
- Trinity Capital Bank of Texas Ennis, TX · $457M
- First State Bank Clute, TX · $478M
- The City National Bank of Colorado City Colorado City, TX · $452M
- The Liberty National Bank in Paris Paris, TX · $452M
Questions about The First National Bank of Livingston
How big is The First National Bank of Livingston?
The First National Bank of Livingston, established in 1902, is headquartered in Livingston, TX. It reported $467M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The First National Bank of Livingston's return on assets?
2.36% annualized in Q2 2026, against a 1.46% median for 138 TX banks with half to twice its assets, ahead of 89% of them.
What is The First National Bank of Livingston's efficiency ratio?
59.55% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 60.64%, and lower is better.
Is The First National Bank of Livingston growing its loans?
Net loans grew 7.8% over the year to Q2 2026, while deposits grew 1.8%.
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.