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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

7.74%Q2 ’247.59%Q2 ’257.11%Q2 ’26+2%-2%

Non-interest income vs. expense

3.01%Q2 ’243.44%Q2 ’252.86%Q2 ’26+26%-18%

Executive Summary

  • Earnings: ROA of 2.62%, up 42 bps year over year; NIM at 5.89%.
  • 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 (quarter, annualized)

2.62%+42 bps YoY

Net Interest Margin (quarter, annualized)

5.89%-10 bps YoY

Efficiency Ratio (quarter, annualized)

46.17%-835 bps YoY

Tier 1 Leverage Ratio

15.26%-48 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.20%2.20%2.36%2.82%2.62%+42 bps
Return on Equity14.08%13.91%15.03%18.77%17.04%+297 bps
Net Interest Margin5.99%5.95%6.11%5.79%5.89%-10 bps
Efficiency Ratio54.52%51.17%51.78%44.10%46.17%-835 bps
Non-Interest Burden3.08%2.82%2.94%1.96%2.52%-56 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%0.03%0.00%0.00%-1 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