Lone Oak Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 16.49 percentage points higher than in Q1 2026, at 320.52%. Among 345 Texas banks, Lone Oak Bank, N.A. sits 4th from the top on return on assets, 3.33% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Lone Oak Bank, N.A. reported 3.33% on return on assets in Q2 2026, 2.08 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.26% |
| Equity capital to assets | 15.79% |
| Tangible equity to tangible assets | 15.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.48% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 14.87% |
| Allowance for credit losses to loans | 1.54% |
| Reserve coverage of non-performing loans | 320.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.33% |
| Return on equity | 21.71% |
| Net interest margin | 6.19% |
| Efficiency ratio | 46.14% |
| Yield on earning assets | 7.51% |
| Cost of funds | 1.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.13% |
| Core deposits to total deposits | 88.19% |
| Brokered deposits to total deposits | 7.99% |
| Deposits to assets | 83.71% |
| Securities to assets | 9.97% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.81% | 2.81% | 5.84% | 0.07% | 0.00% |
| Q4 2023 | 15.03% | 2.81% | 5.93% | 0.07% | 0.01% |
| Q1 2024 | 15.58% | 2.97% | 5.95% | 0.05% | 0.01% |
| Q2 2024 | 15.97% | 3.28% | 6.23% | 0.04% | 0.01% |
| Q3 2024 | 16.85% | 3.34% | 6.49% | 0.04% | -0.01% |
| Q4 2024 | 16.02% | 3.05% | 6.26% | 0.03% | 0.01% |
| Q1 2025 | 16.10% | 2.66% | 5.81% | 0.81% | 0.00% |
| Q2 2025 | 15.74% | 2.87% | 6.24% | 0.73% | 0.01% |
| Q3 2025 | 15.53% | 2.79% | 6.41% | 0.70% | 0.00% |
| Q4 2025 | 14.95% | 3.02% | 6.49% | 0.63% | 0.03% |
| Q1 2026 | 14.67% | 3.53% | 6.12% | 0.54% | 0.00% |
| Q2 2026 | 15.26% | 3.33% | 6.19% | 0.48% | 0.00% |
Lone Oak Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lone Oak Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)