B
Lone Oak Bank, National Association
Rating Date
June 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Lone Oak Bank, National Association
Eldorado, TX
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Rating B
Asset Quality Index 7.30
Capitalization Index 10.00
Liquidity Index 2.60
Profitability Index 9.80
Stability Index 5.70
Company Info Lone Oak Bank, National Association
Eldorado, TX
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FDIC Number 3184
Phone Number (325) 853-2561
Website www.loneoakbank.com
Asset Quality Lone Oak Bank, National Association
Eldorado, TX
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1-Year Asset Growth 3.88%
5-Year Asset Growth 11.32%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.56%
Non-Performing Loans to Capital 3.41%
Non-Performing Loans to Loans 0.81%
Balance Sheet Lone Oak Bank, National Association
Eldorado, TX
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Total Assets 100.69M
Total Deposits 84.17M
Capital and Reserves Lone Oak Bank, National Association
Eldorado, TX
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Capital 16.05M
Leverage Ratio 16.10
Loan Loss Reserves to Loans 1.68%
Risk-Based Capital Ratio --
Liquidity Lone Oak Bank, National Association
Eldorado, TX
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Hot Money Ratio 13.50%
Liquidity Ratio 27.73%
Profitability Lone Oak Bank, National Association
Eldorado, TX
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5-Year Return on Average Assets 2.63%
Net Income 663.00K
Net Interest Spread 5.81%
Operating Profit to Average Assets 2.66%
Overhead Efficiency Ratio 54.40%
Return on Assets 2.66%
Return on Equity 16.87%