BanksLONE OAK BANK, NATIONAL ASSOCIATION

LONE OAK BANK, NATIONAL ASSOCIATION

ELDORADO, TXSmallEst. Jan. 1, 1907, midnightFDIC #3184RSSD #665258OCC
Latest · 2025-12-31

LONE OAK BANK, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 14.51%, well above regulatory minimums. NPL ratio: 0.63% · Texas Ratio: 2.92%. Operates 2 domestic branches.

Assets
$112M
Deposits
$95M
Loans
$85M
Equity
$17M

Profitability

Return on Assets (ROA)2.99%
Return on Equity (ROE)19.05%
Net Interest Margin6.54%
Yield on Assets8.16%
Cost of Funds1.78%

Asset Quality

NPL Ratio0.63%
Net Charge-Off Ratio0.01%
Texas Ratio2.92%
NPA Ratio0.47%
ACL / Loans1.52%

Capital & Liquidity

CET1 Ratio14.51%
Tier 1 Capital14.51%
Total Capital Ratio15.24%
Leverage Ratio14.95%
Loan-to-Deposit89.26%

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