Overview / Commentary
910 S Commerce St
Lovelady, TX 75851

Lovelady State Bank is headquartered in Lovelady and is the 420th largest bank in the state of Texas. It is also the 5,032nd largest bank in the nation. It was established in 1974 and as of September of 2018, 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 - YTD1.31%
Return on Equity - YTD13.52%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$47.3MM$46.3MM
LoansQ3 2018vs Q3 2017$23.7MM$23.1MM
DepositsQ3 2018vs Q3 2017$42.5MM$41.8MM
Equity CapitalQ3 2018vs Q3 2017$4.7MM$4.5MM
Loan Loss AllowanceQ3 2018vs Q3 2017$317.00K$333.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$499.00K$618.00K
Real Estate OwnedQ3 2018vs Q3 2017$108.00K$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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