Is Lovelady State Bank Safe?
Lovelady State Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (72/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 22.82% | 100/100 |
| Nonperforming Loan Ratio | 1.41% | 72/100 |
| Liquidity Ratio | 45.55% | 100/100 |
| Return on Assets | 1.60% | 84/100 |
| Total Assets | $0.1B | |
How does Lovelady State Bank compare?
With a Bank Health Score of 90/100, Lovelady State Bank sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Lovelady State Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 22.82% 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 1.41% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Lovelady State Bank's Bank Health Score fell by 4.0 points to 90/100. Tier 1 capital strengthened by 1.23 percentage points to 22.82%. Quarter-over-quarter, the score rose by 3.0 points.
Lovelady State Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (72/100).