BlastPoint's Banking Scorecard
First State Bank of Livingston
Livingston, TX
8 branches across TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits +0.4% year over year ($595.5M on the books).
- Delinquency rate 1.95%.
- Return on assets 1.05%.
- Efficiency ratio 68.50% vs a 64.48% peer average.
- Loan-to-deposit ratio 35.85% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank of Livingston faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Net Interest Margin 0.74% below tier average
- - Efficiency Ratio 4.02% above tier average
- - Delinquency Rate 1.04% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$689.3M
+1.6% YoY
-4.8% QoQ
|
+$302.7M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 13.0% in tier |
| Total Loans ? |
$213.5M
-1.3% YoY
-0.6% QoQ
|
-$44.8M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
51% |
| Total Deposits ? |
$595.5M
+0.4% YoY
-5.6% QoQ
|
+$268.8M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 12.6% in tier |
| Return on Assets ? |
1.05%
+9.2% YoY
+8.6% QoQ
|
-0.28% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
3.25%
+1.9% YoY
+2.0% QoQ
|
-0.74% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
68.50%
-2.0% YoY
-2.6% QoQ
|
+4.02% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
1.95%
+200.6% YoY
-0.9% QoQ
|
+1.04% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.4% in tier |
| Loan-to-Deposit Ratio ? |
35.85%
-1.7% YoY
+5.3% QoQ
|
-42.10% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 2.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.25%
+5.8% YoY
+5.7% QoQ
|
+11.22% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 12.0% in tier |
| Nonperforming Asset Ratio ? |
0.61%
+192.0% YoY
+3.5% QoQ
|
-0.06% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
15.52%
+2.5% YoY
+3.6% QoQ
|
-0.39% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.32%
+15.5% YoY
+129.8% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
75% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
33.2%
+1.8pp YoY +1.8pp QoQ |
+11.1pp | 22.1% | 29.2% | 22.2% | 88% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.8%
+1.4pp YoY -0.3pp QoQ |
-3.8pp | 11.6% | 14.8% | 12.5% | 38% |
| CRE |
21.1%
-1.4pp YoY +0.5pp QoQ |
-18.4pp | 39.5% | 48.4% | 41.4% | 20% |
| 1-4 Family |
22.5%
+0.9pp YoY -0.1pp QoQ |
-10.1pp | 32.6% | 25.8% | 31.3% | 35% |
| Consumer |
9.4%
+0.1pp YoY +0.1pp QoQ |
+5.3pp | 4.1% | 4.7% | 5.0% | 91% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
15.5%
+0.4pp YoY +0.5pp QoQ |
+3.4pp | 12.2% | 12.6% | 12.6% | 89% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
129
-2 (-1.5%) YoY 0 QoQ |
+70 | 58 | 186 | 482 | 95% |
| Assets per Employee ($) |
$5.3M
+3.2% YoY -4.8% QoQ |
-$2.2M | $7.5M | $10.1M | $8.8M | 20% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 12 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.3% | 0.3% | 0.4% | 69% |
| Nonaccrual |
1.7%
+1.5pp YoY 0.0pp QoQ |
+0.8pp | 0.9% | 1.0% | 1.0% | 84% |
| Allowance Coverage |
0.63x
-62.9% YoY +0.9% QoQ |
-23.52x | 24.15x | 18.82x | 20.23x | 15% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 62% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.2%
0.0pp YoY +0.5pp QoQ |
-4.0pp | 12.2% | 13.2% | 11.6% | 26% |
| Cost of Funds (YTD) |
1.3%
-0.3pp YoY -0.1pp QoQ |
-0.4pp | 1.7% | 1.6% | 1.7% | 25% |
| Net Income ($, YTD) |
$3.7M
+10.1% YoY — QoQ |
+$1.1M | $2.6M | $15.9M | $40.4M | 77% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.