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
Unfavorable gap of $2.7M · efficiency ratio beats 87% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.68% | 0.87% | 1.20% | 1.65% | Beats 98% | 5 / 211 | |
| Return on Equity | 16.95% | 7.52% | 11.67% | 14.58% | Beats 86% | 30 / 211 | |
| Net Interest Margin | 5.79% | 3.28% | 3.82% | 4.31% | Beats 97% | 6 / 211 | |
| Efficiency Ratio | 45.10% | 53.01% | 64.18% | 73.65% | Beats 87% | 28 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.08% | 0.01% | 0.30% | 1.10% | Beats 5% | 199 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 69% | 66 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 15.26% | 11.72% | 14.45% | 19.57% | Beats 56% | 93 / 211 | |
| Total Risk-Based Capital Ratio | 15.26% | 11.94% | 14.78% | 20.30% | Beats 52% | 102 / 211 | |
| Equity / Assets | 15.79% | 9.41% | 11.06% | 12.94% | Beats 88% | 26 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 88.13% | 45.39% | 66.56% | 82.03% | 88th pctl | 26 / 208 | |
| Loans / Assets | 73.77% | 39.13% | 56.90% | 70.46% | 84th pctl | 33 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |