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Letter portraitLegal landscapeQuarterYTD

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 $4.7MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $70.8M29%Noninterest $29.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.54%2.51%2.12%2.15%2.18%2.23%2.82%2.73%+58 bps
Return on Equity16.04%15.83%13.28%13.68%13.75%14.21%18.77%17.88%+420 bps
Net Interest Margin5.90%5.86%5.47%5.68%5.55%5.69%5.79%5.79%+11 bps
Efficiency Ratio46.91%48.01%54.40%54.47%53.28%52.88%44.10%45.10%-937 bps
Non-Interest Burden2.55%2.61%2.82%2.91%2.77%2.81%1.96%2.23%-68 bps
Growth
Asset Growth (YoY)2.19%7.89%3.88%15.29%11.87%15.96%19.08%9.64%-565 bps
Loan Growth (YoY)0.69%4.82%4.16%10.86%13.93%23.59%18.77%16.81%+595 bps
Deposit Growth (YoY)7.18%7.41%2.85%16.35%12.52%17.09%20.48%9.07%-728 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.84%0.84%0.73%0.70%0.84%0.54%3.08%+235 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans1.75%1.72%1.68%1.56%1.64%1.52%1.63%1.54%-2 bps
Allowance Coverage of NPLs17.9x2.1x2.0x2.1x2.3x1.8x3.0x0.5x-1.6x
Capital
Tier 1 Leverage Ratio16.85%16.02%16.10%15.74%15.53%14.95%14.67%15.26%-48 bps
Total Risk-Based Capital16.85%16.02%16.10%15.74%15.53%14.95%14.67%15.26%-48 bps
Equity / Assets16.76%15.92%15.94%15.35%16.31%15.09%14.96%15.79%+43 bps
Liquidity & Funding
Loans / Deposits84.86%84.57%83.54%82.29%85.92%89.26%82.35%88.13%+584 bps
Liquid Assets / Assets2.35%1.72%1.48%1.31%1.57%1.62%1.25%1.23%-8 bps
CRE / Total Capitaln/an/an/an/a87.83%95.26%86.01%n/an/a