B
Lone Oak Bank, National Association
Rating Date
October 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 7.40
Capitalization Index 10.00
Liquidity Index 2.50
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 11.87%
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 0.50%
Non-Performing Loans to Capital 3.01%
Non-Performing Loans to Loans 0.70%
Balance Sheet Lone Oak Bank, National Association
Eldorado, TX
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Total Assets 107.42M
Total Deposits 89.33M
Capital and Reserves Lone Oak Bank, National Association
Eldorado, TX
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Capital 17.52M
Leverage Ratio 15.53
Loan Loss Reserves to Loans 1.64%
Risk-Based Capital Ratio --
Liquidity Lone Oak Bank, National Association
Eldorado, TX
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Hot Money Ratio 7.00%
Liquidity Ratio 18.14%
Profitability Lone Oak Bank, National Association
Eldorado, TX
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5-Year Return on Average Assets 2.63%
Net Income 2.16M
Net Interest Spread 6.16%
Operating Profit to Average Assets 2.78%
Overhead Efficiency Ratio 53.28%
Return on Assets 2.78%
Return on Equity 17.50%