Lone Oak Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Cost of interest-bearing deposits edged down by 0.16 percentage points, from 2.28% to 2.12%, the largest move among the key lines here. On net interest margin, Lone Oak Bank, N.A. ranks 8th highest among the 345 banks headquartered in Texas, at 6.19% (Q2 2026). Against a median of 3.95% for banks in the $100M-1B asset tier, Lone Oak Bank, N.A. reported 6.19% on net interest margin in Q2 2026, 2.24 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.51% |
| Yield on loans | 8.78% |
| Yield on securities | 3.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.19% |
| Yield to cost spread | 5.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $376K |
| Interest expense on deposits | $376K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 7.64% | 2.14% | 5.84% | 8.81% | 2.71% |
| Q4 2023 | 8.02% | 2.42% | 5.93% | 9.21% | 2.87% |
| Q1 2024 | 7.77% | 2.11% | 5.95% | 8.75% | 3.12% |
| Q2 2024 | 8.19% | 2.21% | 6.23% | 9.29% | 4.21% |
| Q3 2024 | 8.46% | 2.24% | 6.49% | 9.58% | 4.41% |
| Q4 2024 | 8.29% | 2.30% | 6.26% | 9.57% | 4.50% |
| Q1 2025 | 7.65% | 2.08% | 5.81% | 8.85% | 4.22% |
| Q2 2025 | 7.97% | 1.97% | 6.24% | 9.32% | 4.01% |
| Q3 2025 | 8.08% | 1.86% | 6.41% | 9.25% | 4.00% |
| Q4 2025 | 8.09% | 1.80% | 6.49% | 9.12% | 3.88% |
| Q1 2026 | 7.55% | 1.57% | 6.12% | 8.76% | 3.72% |
| Q2 2026 | 7.51% | 1.48% | 6.19% | 8.78% | 3.70% |
Lone Oak Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lone Oak Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)