Overview / Commentary
910 S Commerce St
Lovelady, TX 75851

Lovelady State Bank is headquartered in Lovelady and is the 415th largest bank in the state of Texas. It is also the 4,965th largest bank in the nation. It was established in 1974 and as of December of 2018, it had grown to 12 employees at 1 location. Lovelady State Bank has a C+ 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 - YTD1.17%
Return on Equity - YTD12.06%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$48.2MM$48.2MM
LoansQ4 2018vs Q4 2017$23.4MM$23.0MM
DepositsQ4 2018vs Q4 2017$43.4MM$43.7MM
Equity CapitalQ4 2018vs Q4 2017$4.7MM$4.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$330.00K$337.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$366.00K$369.00K
Real Estate OwnedQ4 2018vs Q4 2017$372.00K$108.00K
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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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