Lone Oak Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Lone Oak Bank, N.A. is an FDIC-insured commercial bank headquartered in Eldorado, TX, established in 1907 (FDIC certificate 3184), and it is supervised by the OCC. At Q2 2026 it reported total assets of $119.6M, up 9.6% from Q2 2025, the 300th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.26% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3184
- Headquarters
- Eldorado, TX
- Established
- 1907
- Total assets, Q2 2026
- $119.6M
- Assets vs Q2 2025
- +9.6%
- Tier 1 leverage ratio, Q2 2026
- 15.26%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111307841
- Latest call report
- Q2 2026, FFIEC 051 · Lone Oak Bank, N.A. call report
- Holding company
- FIRST ELDORADO BANCSHARES, INC.
- Asset rank in state
- 300th of 346 in Texas
Problem loans are rising at Lone Oak Bank, N.A.. The Eldorado, Texas bank had $120 million in assets at June 30, 2026, up 9.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.08% of loans from 0.73% a year earlier. It earns about $3.33 a year on every $100 of assets, 2.6 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 6.19 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
The commercial and industrial book ($23 million) is worsening: 12.24% of it is past due or on nonaccrual, up from 3.31% a year earlier. Earnings jumped: net income for the quarter was $999,000, 36% above the same quarter a year earlier. Credit is the area to watch: it carries problem assets equal to 14.9% of the capital and reserves that would absorb them, 5.6 times the median of 2.6% for banks its size.
As of June 30, 2026, Lone Oak Bank, N.A. reported a return on assets of 3.33%, a nonperforming-loan ratio of 3.08% and a Texas ratio of 14.87%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Lone Oak Bank, N.A. is the 300th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets fell 0.2% to $119.6M, loans rose 5.7% and deposits fell 1.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 31.9% of total loans, ahead of commercial and industrial loans at 25.8%. The FDIC Summary of Deposits lists 2 offices for it, in Eldorado, TX and Loraine, TX; its Eldorado office books 81% of its branch deposits. On its Q2 2026 call report, Lone Oak Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Ne Main St, Eldorado, TX 76936
- County
- Schleicher
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1907
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $100.1M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $119.8M
- Average total loans
- $85.2M
- Average interest-bearing deposits
- $71.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3184
- Fed RSSD
- 665258
- Website
- www.loneoakbank.com →
- Parent Holding Company
- FIRST ELDORADO BANCSHARES, INC. (RSSD 2234863)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Lone Oak Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Lone Oak Bank, N.A.'s total assets ran between $89.6M (Q4 2023) and $119.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$119.6M total assets against $109.1M; $100.7M total liabilities against $92.3M.
$86.9M net loans and leases against $74.4M; $100.1M total deposits against $91.8M.
$11.9M securities against $11.8M; $14.6M cash and balances due against $16.6M.
$2.1M total interest income against $1.9M; $376K total interest expense against $422K.
$1.8M net interest income against $1.5M.
$102K total noninterest income against $93K; $857K total noninterest expense against $880K.
$0 provision for credit losses against $0.
$999K net income against $734K.
3.33% return on assets against 2.87%; 6.19% net interest margin against 6.24%.
15.26% tier 1 leverage ratio against 15.74%.
Inside the full Lone Oak Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Lone Oak Bank, N.A. rankings
Its closest position to the top of a national ranking is 47 of 3,611, for ROA; its furthest is 3,522 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.66% (Q1 2025) to 3.53% (Q1 2026) and its net interest margin ran from 5.81% (Q1 2025) to 6.49% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.26% | 3.33% | 3.08% | 14.87% | 6.19% |
| Q1 2026 | 14.67% | 3.53% | 0.54% | 3.42% | 6.12% |
| Q4 2025 | 14.95% | 3.02% | 0.84% | 4.09% | 6.49% |
| Q3 2025 | 15.53% | 2.79% | 0.70% | 3.00% | 6.41% |
| Q2 2025 | 15.74% | 2.87% | 0.73% | 3.22% | 6.24% |
| Q1 2025 | 16.10% | 2.66% | 0.84% | 3.41% | 5.81% |
| Q4 2024 | 16.02% | 3.05% | 0.84% | 3.71% | 6.26% |
| Q3 2024 | 16.85% | 3.34% | 0.10% | 0.38% | 6.49% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lone Oak Bank, N.A. (main office) | Eldorado , TX | 76936 | $81.6M |
| Loraine Branch | Loraine , TX | 79532 | $18.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 368 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $1.5M approved, $502K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Lone Oak Bank, N.A.
What are Lone Oak Bank, N.A.'s total assets?
As of the Q2 2026 filing, Lone Oak Bank, N.A. reported total assets of $119.6 million in its FFIEC call report.
Where is Lone Oak Bank, N.A. headquartered?
It is headquartered in Eldorado, TX, United States.
When was Lone Oak Bank, N.A. founded?
It was established in 1907, per the FDIC institution directory.
Is Lone Oak Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lone Oak Bank, N.A.?
Lone Oak Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Lone Oak Bank, N.A. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lone Oak Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 14.87% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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