Is First Nb of Livingston Safe?
First Nb of Livingston has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (66/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 32.99% | 100/100 |
| Nonperforming Loan Ratio | 0.03% | 99/100 |
| Liquidity Ratio | 56.39% | 100/100 |
| Return on Assets | 1.15% | 66/100 |
| Total Assets | $0.5B | |
How does First Nb of Livingston compare?
With a Bank Health Score of 96/100, First Nb of Livingston sits 26.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, First Nb of Livingston ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 32.99% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.03% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Nb of Livingston's Bank Health Score held roughly steady at 96/100. Tier 1 capital strengthened by 1.94 percentage points to 32.99%.
First Nb of Livingston has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (66/100).