Lone Oak Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lone Oak Bank, N.A. of Eldorado, TX against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.33% | 1.34% | +1.99% | 98th top |
| ROAE | 21.71% | 13.32% | +8.39% | 91st top |
| Net Interest Margin | 6.19% | 3.93% | +2.26% | 99th top |
| Efficiency Ratio | 46.14% | 61.13% | -14.99% | 88th top |
| PPNR / Avg Assets | 3.33% | 1.68% | +1.65% | 97th top |
| Yield on Earning Assets | 7.51% | 5.67% | +1.84% | 98th top |
| Cost of Funds | 1.48% | 1.88% | -0.40% | 70th above |
| Net Interest Spread | 5.39% | 3.32% | +2.07% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.48% | 0.94% | -0.46% | 46th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.51% | 0.70% | -0.19% | 38th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.54% | 1.28% | +0.26% | 81st top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 320.52% | 1546.28% | -1225.76% | 61st above |
| Texas Ratio | 14.87% | 7.34% | +7.53% | 13th bottom |
| Provision / NCO | 7800.00% | 1393.74% | +6406.26% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.26% | 12.14% | +3.12% | 88th top |
| Equity / Assets | 15.79% | 11.36% | +4.43% | 90th top |
| TCE / Tangible Assets | 15.26% | 11.08% | +4.18% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.13% | 80.66% | +7.47% | 32nd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.19% | 86.85% | +1.34% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.64% | 6.84% | +2.80% | 82nd top |
| Loan Growth (Y/Y) | 16.81% | 7.92% | +8.89% | 89th top |
| Deposit Growth (Y/Y) | 9.07% | 6.29% | +2.78% | 80th top |
See Lone Oak Bank, N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lone Oak Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Lone Oak Bank, N.A. profile, how to read a UBPR, or how this data updates.