Bank Comparison
Dnb National Bank vs Lone Oak Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Dnb National Bank | Lone Oak Bank, N.A. |
|---|---|---|
| CET1 Ratio | 22.77% | — |
| Tier 1 Capital Ratio | 22.77% | — |
| Total Capital Ratio | 23.74% | — |
| Tier 1 Leverage Ratio | 9.26% | 14.67% |
| Equity / Assets | 6.32% | 14.96% |
Profitability
| Metric | Dnb National Bank | Lone Oak Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 2.09% | 3.53% |
| Return on Equity (ROE) | 31.38% | 23.88% |
| Net Interest Margin (NIM) | 3.19% | 6.12% |
| Yield on Earning Assets | 4.27% | 7.55% |
| Cost of Funds | 1.11% | 1.61% |
Asset quality
| Metric | Dnb National Bank | Lone Oak Bank, N.A. |
|---|---|---|
| Texas Ratio | 0.00% | 3.42% |
| Non-Performing Loan Ratio | 0.00% | 0.54% |
| Non-Performing Asset Ratio | 0.00% | 0.52% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.59% | 1.63% |
Balance sheet
| Metric | Dnb National Bank | Lone Oak Bank, N.A. |
|---|---|---|
| Total Assets | $119,632K | $119,895K |
| Total Deposits | $109,886K | $101,409K |
| Total Loans | $29,231K | $83,508K |
| Total Equity | $7,566K | $17,932K |
| Net Income (quarter) | $616 | $1,040K |
Liquidity & funding
| Metric | Dnb National Bank | Lone Oak Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 26.60% | 82.35% |
| Core Deposit Ratio | 95.64% | 90.07% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Dnb National Bank | Lone Oak Bank, N.A. |
|---|---|---|
| Headquarters City | CLEAR LAKE | ELDORADO |
| Headquarters State | SD | TX |
| Asset Tier | Small | Small |
| Charter Class | 12877 | 8575 |
| Regulator | OCC | OCC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 14 | 20 |
| Established | Jan. 1, 1926, midnight | Jan. 1, 1907, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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