Lovelady State Bank

Overview / Commentary
910 S Commerce St
Lovelady, TX 75851

Lovelady State Bank is headquartered in Lovelady and is the 401st largest bank in the state of Texas. It is also the 4,747th largest bank in the nation. It was established in 1974 and as of June of 2020, it had grown to 12 employees at 1 location. Lovelady State Bank has a B health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Lovelady State Bank has a low asset base.

Health Grade Components

FDIC Certificate #21807
Year Established1974
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD7.08%
Annual Interest Income$882.00K
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$47.4MM$43.3MM
LoansQ2 2020vs Q2 2019$22.0MM$23.1MM
DepositsQ2 2020vs Q2 2019$41.8MM$38.1MM
Equity CapitalQ2 2020vs Q2 2019$5.4MM$5.1MM
Loan Loss AllowanceQ2 2020vs Q2 2019$305.00K$336.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$196.00K$193.00K
Real Estate OwnedQ2 2020vs Q2 2019$352.00K$352.00K
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Lovelady State Bank Savings Account Rates

0.15%$100-Savings Accounts

Lovelady State Bank Money Market Rates

0.25%$2.5k-Money Market Accounts

Lovelady State Bank Checking Account Rates

0.15%$1.5k-Now Accounts

Lovelady State Bank Locations
Lovelady State Bank910 S Commerce StLovelady, TX 75851

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