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Lone Oak Bank, National Association
Eldorado, TX · FDIC Certificate #3184 · Chartered 01/0
Total assets
$119.62M
Total deposits
$100.14M
Total equity
$18.88M
Net loans
$86.89M
Branches (offices)
2
Net income (YTD)
$2.04M
Rank: #3,535 of 4,213 U.S. banks by assets · #300 of 346 in Texas. Assets changed 9.6% and deposits 9.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 3.48% |
| Return on equity | 22.77% |
| Net interest margin (YTD) | 6.34% |
| Equity to assets | 15.79% |
| Tier 1 leverage ratio | 15.26% |
| Uninsured deposits (share of deposits) | 24.5% |
| Noncurrent loans (share of loans) | 3.08% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 86.8% |
| Real estate loans (share of loans) | 53.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $46.71M | 53.8% | |
| Commercial & industrial | $22.76M | 26.2% | |
| Consumer / individual | $4.74M | 5.5% | |
| Construction & development | $1.92M | 2.2% | |
| Agricultural | $14.02M | 16.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $73.04M | $60.22M | $906.00K | $12.45M |
| Jun 2023 | $91.20M | $72.16M | $1.29M | $13.68M |
| Jun 2024 | $94.63M | $78.91M | $1.48M | $15.27M |
| Jun 2025 | $109.10M | $91.81M | $1.40M | $16.75M |
| Jun 2026 | $119.62M | $100.14M | $2.04M | $18.88M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $100.14M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $100.14M.
Similar-sized banks
Community Savings Bank ($119.64M) · American Metro Bank ($119.08M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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