Lone Oak Bank, National Association
Eldorado, Texas, Schleicher County
$120M in total assets, the 3,585th largest of 4,309 US banks and 302nd of 352 headquartered in Texas.
- FDIC certificate
- 3184
- Established
- 1907
- Owned by
- First Eldorado Bancshares Inc
- Primary regulator
- OCC
- Website
- www.loneoakbank.com
At a glance
Compared with 218 banks headquartered in Texas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $120M | 4% | $336M | |
| Loans | $88M | 18% | $191M | |
| Deposits | $100M | 4% | $289M | |
| Return on assets | 3.18% | 98% | 1.45% | |
| Net interest margin | 6.34% | 98% | 4.20% | |
| Efficiency ratio | 45.1% | 13% | 61.7% | |
| Equity to assets | 15.79% | 91% | 10.91% | |
| Loans to deposits | 88% | 84% | 72% |
Growth
Total assets grew 10.5% a year over the last 5 years and 6.9% a year over 10 years, without acquisitions.
Where they operate
2 branches in 2 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Schleicher County, TX | $82M | 100.0% | 1 of 1 |
| Mitchell County, TX | $19M | 7.0% | 3 of 3 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (1 to 2, +100.0%). 1 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 1 | |||
| 2025 | Opened Loraine | 1 | 0 | +1 | 2 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 32% | 27% | |
| Business (C&I) | 26% | 14% | |
| Agricultural | 16% | 5% | |
| Commercial real estate | 12% | 28% | |
| Consumer | 5% | 5% | |
| Farmland | 5% | 7% | |
| Multifamily | 2% | 2% | |
| Construction and land | 2% | 11% | |
| Other | 0% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 39% | 41% | |
| Time deposits | 32% | 29% | |
| Noninterest-bearing | 29% | 30% |
Brokered deposits are 8.0% of deposits (peers 1.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 3.08% | 0.30% |
| Net charge-offs, annualized | 0.00% | 0.01% |
| Reserves to loans | 1.54% | 1.23% |
| Leverage ratio | 15.26% | 11.60% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/lone-oak