Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
94th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Nov 4, 2026
Call-report figures are for The First National Bank of Livingston at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The First National Bank of Livingston's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 6.3% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (94th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $448K in Q2 2026, 4.3% below the same quarter a year earlier ($468K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for The First National Bank of Livingston (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $448K | +$8K | +1.8% |
| Q1 2026 | $440K | −$29K | −6.2% |
| Q4 2025 | $469K | −$26K | −5.3% |
| Q3 2025 | $495K | +$27K | +5.8% |
| Q2 2025 | $468K | $0 | 0.0% |
| Q1 2025 | $468K | −$10K | −2.1% |
| Q4 2024 | $478K | +$2K | +0.4% |
| Q3 2024 | $476K | +$4K | +0.8% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, The First National Bank of Livingston left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The First National Bank of Livingston by share.
They stay out of every comparison until review is done.
per year
per month
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| All for one low monthly fee (audience not stated, treated as personal) | $7 | per month | None |
| Service charge (audience not stated, treated as personal) | $7 | per month | None |
ATM & CardUnder review | |||
| Non-Network ATM (audience not stated, treated as personal) | $1 | per item | None |
| Non-Network ATM (audience not stated, treated as personal) | $7 | per item | None |
Other feesUnder review | |||
| Annual rent ranges from (audience not stated, treated as personal) | $30 | per year | None |
| Can be reloaded with amounts ranging from (audience not stated, treated as personal) | $10 | Not stated | None |
| Card value can range from (audience not stated, treated as personal) | $10 | Not stated | None |
| Flexibility to make up to six withdrawals/transfers payable to another account of yours or to third parties by check, AC (audience not stated, treated as personal) | $7 | per month | None |
| If your balance falls below , there will be a (audience not stated, treated as personal) | $5 | per month | None |
| Keep a balance of or more and avoid a maintenance fee; If your balance falls below , there will be a (audience not stated, treated as personal) | $7 | Not stated | None |
| Of course, any and all fees and charges, including without limitation the overdraft item fees and unpaid item fees of (audience not stated, treated as personal) | $37.50 | Not stated | None |
| Transfers to another account or to third parties by preauthorized, ACH, telephone or online banking are limited to six p (audience not stated, treated as personal) | $1 | Not stated | None |
| Transfers to another account or to third parties by preauthorized, automatic, telephone or online banking are limited to (audience not stated, treated as personal) | $1 | Not stated | None |
| Unlimited withdrawals may be made in person or at an ATM, There will be a (audience not stated, treated as personal) | $1 | per item | None |
| Unlimited withdrawals may be made in person or at an ATM. There will be a (audience not stated, treated as personal) | $1 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The First National Bank of Livingston operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $398.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $398.3M |
Largest competitors nearby
Local market: Polk county, TX, where it holds the most deposits.
| 5 in its local market | Deposit share |
|---|---|
| First State Bank of Livingston | 37.3% |
| Citizens State Bank | 9.6% |
| PNC Bank, National Association | 6.2% |
| Peoples State Bank | 2.5% |
| Woodforest National Bank | 1.1% |
This bank holds 43.4% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 8, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows