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Lone Oak Bank, National Association

Eldorado, TX · Cert 3184 · First Eldorado Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

94

Q2 2024Q2 2026peer median (50)

Liquidity

8

Q2 2024Q2 2026peer median

Efficiency

87

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lone Oak Bank, National Association

Eldorado, TX · Cert 3184 · First Eldorado Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$119.6MAssets
$88.2MLoans
$100.1MDeposits
$18.9MEquity
Loan mix
64%RE $45.5M29%C&I $20.6M7%Consumer $4.7MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $70.8M29%Noninterest $29.3MQ2 2025Q2 2026

NIM

7.57%Q2 ’247.31%Q2 ’257.04%Q2 ’26-2%+2%

Non-interest income vs. expense

2.95%Q2 ’243.27%Q2 ’252.90%Q2 ’26+15%-23%

Executive Summary

  • Earnings: ROA of 2.73%, up 58 bps year over year; NIM at 5.79%.
  • Asset quality: problem loans at 3.08% of loans (+235 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.26%, down 48 bps from a year ago.
  • Funding: loans stand at 88.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.73%+58 bps YoY

Net Interest Margin (YTD, annualized)

5.79%+11 bps YoY

Efficiency Ratio (YTD, annualized)

45.10%-937 bps YoY

Tier 1 Leverage Ratio

15.26%-48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.15%2.18%2.23%2.82%2.73%+58 bps
Return on Equity13.68%13.75%14.21%18.77%17.88%+420 bps
Net Interest Margin5.68%5.55%5.69%5.79%5.79%+11 bps
Efficiency Ratio54.47%53.28%52.88%44.10%45.10%-937 bps
Non-Interest Burden2.91%2.77%2.81%1.96%2.23%-68 bps
Growth
Asset Growth (YoY)15.29%11.87%15.96%19.08%9.64%-565 bps
Loan Growth (YoY)10.86%13.93%23.59%18.77%16.81%+595 bps
Deposit Growth (YoY)16.35%12.52%17.09%20.48%9.07%-728 bps
Asset Quality
Nonperforming Loans / Loans0.73%0.70%0.84%0.54%3.08%+235 bps
Net Charge-Offs / Loans0.01%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans1.56%1.64%1.52%1.63%1.54%-2 bps
Allowance Coverage of NPLs2.1x2.3x1.8x3.0x0.5x-1.6x
Capital
Tier 1 Leverage Ratio15.74%15.53%14.95%14.67%15.26%-48 bps
Total Risk-Based Capital15.74%15.53%14.95%14.67%15.26%-48 bps
Equity / Assets15.35%16.31%15.09%14.96%15.79%+43 bps
Liquidity & Funding
Loans / Deposits82.29%85.92%89.26%82.35%88.13%+584 bps
Liquid Assets / Assets1.31%1.57%1.62%1.25%1.23%-8 bps
CRE / Total Capitaln/a87.83%95.26%86.01%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lone Oak Bank, National Association

Eldorado, TX · Cert 3184 · Peer group: banks under $1B in assets in TX (n=208-211) · First Eldorado Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$119.6MAssets
$88.2MLoans
$100.1MDeposits
$18.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 98% of banks under $1B in assets in TX (rank 5 of 211).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in TX (rank 199 of 208).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.68%

Rank 5 of 211

Net Interest Margin

5.79%

Rank 6 of 211

Efficiency Ratio

45.10%

Rank 28 of 211

Equity / Assets

15.79%

Rank 26 of 211

Non-interest income vs. expense

$0.8M$3.5MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 87% of banks under $1B in assets in TX
Bank 45.10%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.68%0.87%1.20%1.65%Beats 98%5 / 211
Return on Equity16.95%7.52%11.67%14.58%Beats 86%30 / 211
Net Interest Margin5.79%3.28%3.82%4.31%Beats 97%6 / 211
Efficiency Ratio45.10%53.01%64.18%73.65%Beats 87%28 / 211
Asset Quality
Nonperforming Loans / Loans3.08%0.01%0.30%1.10%Beats 5%199 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 69%66 / 208
Capital
Tier 1 Capital Ratio15.26%11.72%14.45%19.57%Beats 56%93 / 211
Total Risk-Based Capital Ratio15.26%11.94%14.78%20.30%Beats 52%102 / 211
Equity / Assets15.79%9.41%11.06%12.94%Beats 88%26 / 211
Liquidity & Funding
Loans / Deposits88.13%45.39%66.56%82.03%88th pctl26 / 208
Loans / Assets73.77%39.13%56.90%70.46%84th pctl33 / 211
Brokered Deposits / Depositsn/aNot reported for this institution