LONE OAK BANK, NATIONAL ASSOCIATION

ELDORADO, TX | Small | Est. Jan. 1, 1907, midnight | FDIC #3184 | RSSD #665258 | OCC
Latest Report: 2025-12-31

LONE OAK BANK, NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in ELDORADO, TX, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $112M and total deposits of $95M. Profitability stands at 2.99% ROA and 19.05% ROE, with a net interest margin of 6.54%. The bank's CET1 capital ratio is 14.19%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.63% and a Texas Ratio of 2.92%. FDIC Certificate #3184.

Assets

$112M

Deposits

$95M

Loans

$85M

Equity

$17M

Profitability

Return on Assets (ROA) 2.99%
Return on Equity (ROE) 19.05%
Net Interest Margin (NIM) 6.54%
Yield on Assets 8.16%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 0.63%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.92%
NPA Ratio 0.47%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 14.19%
Tier 1 Capital 14.19%
Total Capital Ratio 14.89%
Leverage Ratio 14.95%
Loan-to-Deposit 89.26%

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