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The First National Bank Of Livingston

Livingston, TX · Est. 1902 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

The First National Bank Of Livingston is a bank based in Livingston, Texas, established in 1902, with $469 million in total assets across 3 branches. By Trust Grade it ranks 130th of 349 banks we track in Texas. Its capital ratio of 14.0% is stronger than 86% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 2.28% return on assets. No consumer complaints against The First National Bank Of Livingston appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$468.7M
$100M–1B institution
Deposits
$400.0M
Branches
3
Capital ratio
14.0%
Top 14% of $100M–1B peers · Texas median 10.9%
Return on assets
2.3%
Top 7% of $100M–1B peers · Texas median 1.38%
Rank in Texas
#130
of 349 banks

How The First National Bank Of Livingston compares to Texas peers

Capital ratio
Top 14% of $100M–1B peers
The First
14.0%
Texas median
10.9%
Higher capital ratio = stronger financial cushion
Return on assets
Top 7% of $100M–1B peers
The First
2.3%
Texas median
1.4%
Higher ROA = more profitable relative to asset base

How we graded The First National Bank Of Livingston

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (14.0% capital ratio)
  • Strongly profitable (ROA 2.28%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for The First National Bank Of Livingston over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (3)

  • 2121 Us Highway 190 W, Livingston, TX 77351
  • Highway 190 And Fm 3186, Onalaska, TX 77360
  • 308 W Church St, Livingston, TX 77351

Are deposits at The First National Bank Of Livingston insured?

Yes. The First National Bank Of Livingston is an FDIC-insured bank (FDIC certificate #3305). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

The First National Bank Of Livingston: frequently asked questions

Is The First National Bank Of Livingston a good bank?

The First National Bank Of Livingston earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (14.0% capital ratio); Strongly profitable (ROA 2.28%).

Is The First National Bank Of Livingston FDIC-insured?

Yes. The First National Bank Of Livingston is a FDIC-insured bank (FDIC certificate #3305). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is The First National Bank Of Livingston?

The First National Bank Of Livingston holds $469 million in total assets, ranking 130th of 349 banks we track in Texas. It operates 3 branches.

Does The First National Bank Of Livingston have CFPB complaints?

No CFPB complaints against The First National Bank Of Livingston appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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