BlastPoint's Banking Scorecard
First State Bank of Livingston
Livingston, TX
8 branches across TX
First State Bank of Livingston faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 37.7% in tier
- - ROA 0.31% below tier average
- - Net Interest Margin 0.74% below tier average
- - Efficiency Ratio 5.05% above tier average
- - Delinquency Rate 1.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$724.4M
+0.5% YoY
+2.5% QoQ
|
+$338.3M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 11.3% in tier |
| Total Loans ? |
$214.8M
-1.5% YoY
-1.2% QoQ
|
-$41.0M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$631.0M
-0.4% YoY
+2.6% QoQ
|
+$303.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 10.7% in tier |
| Return on Assets ? |
0.96%
+8.4% YoY
+1.3% QoQ
|
-0.31% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
35% |
| Net Interest Margin ? |
3.19%
+2.1% YoY
-0.1% QoQ
|
-0.74% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
17% |
| Efficiency Ratio ? |
70.34%
-1.3% YoY
+1.3% QoQ
|
+5.05% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
1.97%
+141.8% YoY
-21.5% QoQ
|
+1.08% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.7% in tier |
| Loan-to-Deposit Ratio ? |
34.03%
-1.2% YoY
-3.8% QoQ
|
-42.61% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 2.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.45%
+7.0% YoY
-0.0% QoQ
|
+9.43% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 14.8% in tier |
| Nonperforming Asset Ratio ? |
0.58%
+136.9% YoY
-24.3% QoQ
|
-0.05% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
14.98%
+2.8% YoY
-4.3% QoQ
|
-0.85% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.14%
+15.9% YoY
-75.7% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
70% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.