BlastPoint's Banking Scorecard

The First National Bank of Livingston

$100M-$1B Specialty: Other TX FDIC cert 3305

Livingston, TX

3 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 +1.8% year over year ($398.3M on the books).
Delinquency rate 0.05%.
Return on assets 2.36%.
Efficiency ratio 59.55% vs a 64.48% peer average.
Loan-to-deposit ratio 56.15% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

The First National Bank of Livingston has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 5.3% in tier
+ Profitability Leader: Top 7.6% in tier
+ Credit Quality Leader: Top 17.2% in tier
+ Non-Interest-Bearing Deposit Share 26.95% above tier average
+ Efficiency Ratio 4.92% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 24.3% in tier

Get updates when The First National Bank of Livingston releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$467.2M +3.3% YoY -0.3% QoQ	+$80.6M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	69%
Total Loans ?	$223.7M +7.8% YoY +0.8% QoQ	-$34.7M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	53%
Total Deposits ?	$398.3M +1.8% YoY -0.4% QoQ	+$71.6M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	70%
Return on Assets ?	2.36% +36.5% YoY +3.5% QoQ	+1.04%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 6.2% in tier
Net Interest Margin ?	4.02% +13.6% YoY +1.4% QoQ	+0.03%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	55%
Efficiency Ratio ?	59.55% -10.8% YoY -1.6% QoQ	-4.92%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	58%
Delinquency Rate ?	0.05% -24.7% YoY -42.2% QoQ	-0.87%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	79%
Loan-to-Deposit Ratio ?	56.15% +5.8% YoY +1.3% QoQ	-21.80%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 13.5% in tier
Non-Interest-Bearing Deposit Share ?	48.98% +3.4% YoY +0.6% QoQ	+26.95%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 1.7% in tier
Nonperforming Asset Ratio ?	0.02% -21.4% YoY -41.5% QoQ	-0.64%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	83%
Tier 1 Capital Ratio ?	36.97% +4.2% YoY +2.3% QoQ	+21.06%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 2.3% in tier
Non-Interest Income / Assets ?	1.12% +8.7% YoY +103.4% QoQ	+0.55%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 2.8% in tier

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	49.0% +1.6pp YoY +0.3pp QoQ	+26.8pp	22.1%	29.2%	22.2%	98%
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	6.3% +0.1pp YoY +0.5pp QoQ	-5.2pp	11.6%	14.8%	12.5%	28%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	58.3% +0.5pp YoY +2.2pp QoQ	+25.6pp	32.6%	25.8%	31.3%	88%
Consumer	6.9% -0.4pp YoY -0.1pp QoQ	+2.8pp	4.1%	4.7%	5.0%	85%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	37.0% +1.5pp YoY +0.8pp QoQ	+18.1pp	18.8%	22.7%	19.7%	96%
Leverage Ratio	15.5% +0.9pp YoY +0.2pp QoQ	+3.4pp	12.2%	12.6%	12.6%	89%
Total Capital Ratio	38.2% +1.5pp YoY +0.8pp QoQ	+18.3pp	19.9%	23.8%	20.8%	96%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	99 -3 (-2.9%) YoY +1 (+1.0%) QoQ	+40	58	186	482	86%
Assets per Employee ($)	$4.7M +6.4% YoY -1.3% QoQ	-$2.8M	$7.5M	$10.1M	$8.8M	11%
Branch Count	3 0 YoY 0 QoQ	-2	4	12	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.0%	1.0%	12%
Allowance Coverage	29.77x +37.3% YoY +78.7% QoQ	+5.61x	24.15x	18.82x	20.23x	91%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	54%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	16.6% +2.5pp YoY +0.5pp QoQ	+4.4pp	12.2%	13.2%	11.6%	75%
Cost of Funds (YTD)	0.4% 0.0pp YoY 0.0pp QoQ	-1.3pp	1.7%	1.6%	1.7%	1%
Net Income ($, YTD)	$5.4M +38.6% YoY — QoQ	+$2.9M	$2.6M	$15.9M	$40.4M	90%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Revenue Diversifier

growth

#36 of 661 • Top 5.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.12%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 2.36%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Profitability Leader

growth

#51 of 661 • Top 7.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.36%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Quality Leader

growth

#114 of 659 • Top 17.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#181 of 742 • Bottom 24.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 36.97%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 56.15%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 48.98%

Peer Median: 22.03%

#45 of 2643 Top 1.7% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 36.97%

Peer Median: 15.91%

#61 of 2643 Top 2.3% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 1.12%

Peer Median: 0.57%

#75 of 2643 Top 2.8% in $100M-$1B

166

Return on Assets

profitability

Value: 2.36%

Peer Median: 1.32%

#166 of 2643 Top 6.2% in $100M-$1B

358

Loan-to-Deposit Ratio

liquidity

Value: 56.15%

Peer Median: 77.95%

#358 of 2643 Top 13.5% in $100M-$1B

454

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#454 of 2643 Top 17.1% in $100M-$1B

562

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.92%

#562 of 2633 Top 21.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available