Lone Oak Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.78 percentage points higher than in Q1 2026, at 88.13%. Lone Oak Bank, N.A. ranks 65th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 88.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Lone Oak Bank, N.A. sits 7.29 points higher, at 88.13% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $88.2M |
| Net loans and leases | $86.9M |
| Loans held for sale | $0 |
| Loans to total assets | 73.77% |
| Loan-to-deposit ratio | 88.13% |
| Net loans to equity capital | 4.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.65% |
| Multifamily (5+ residential) | 2.39% |
| Commercial and industrial | 25.79% |
| Consumer | 5.37% |
| Credit cards | 0.00% |
| Farm | 4.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 41.29% |
| Construction concentration (Tier 1 capital + allowance) | 9.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $66.9M | $74.1M | 25.16% | 19.29% | 5.56% |
| Q4 2023 | $65.2M | $75.3M | 28.95% | 19.63% | 5.40% |
| Q1 2024 | $67.5M | $81.8M | 28.61% | 20.74% | 5.11% |
| Q2 2024 | $68.2M | $78.9M | 26.48% | 20.05% | 5.41% |
| Q3 2024 | $67.4M | $79.4M | 26.93% | 19.69% | 5.85% |
| Q4 2024 | $68.4M | $80.8M | 10.72% | 22.00% | 6.02% |
| Q1 2025 | $70.3M | $84.2M | 11.93% | 20.10% | 5.65% |
| Q2 2025 | $75.5M | $91.8M | 11.86% | 20.93% | 5.63% |
| Q3 2025 | $76.8M | $89.3M | 12.18% | 20.74% | 5.38% |
| Q4 2025 | $84.5M | $94.7M | 11.79% | 22.82% | 4.83% |
| Q1 2026 | $83.5M | $101.4M | 12.57% | 24.62% | 5.60% |
| Q2 2026 | $88.2M | $100.1M | 11.65% | 25.79% | 5.37% |
Lone Oak Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lone Oak Bank, N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Lone Oak Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3184) · FFIEC NIC profile (RSSD 665258)