C
Lone Oak Bank, National Association
Rating Date
March 2026
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 C
Asset Quality Index 7.00
Capitalization Index 10.00
Liquidity Index 1.70
Profitability Index 9.80
Stability Index 5.00
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 15.96%
5-Year Asset Growth 13.32%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.47%
Non-Performing Loans to Capital 4.09%
Non-Performing Loans to Loans 0.63%
Balance Sheet Lone Oak Bank, National Association
Eldorado, TX
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Total Assets 112.05M
Total Deposits 94.67M
Capital and Reserves Lone Oak Bank, National Association
Eldorado, TX
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Capital 16.91M
Leverage Ratio 14.95
Loan Loss Reserves to Loans 1.52%
Risk-Based Capital Ratio --
Liquidity Lone Oak Bank, National Association
Eldorado, TX
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Hot Money Ratio 12.47%
Liquidity Ratio 15.96%
Profitability Lone Oak Bank, National Association
Eldorado, TX
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5-Year Return on Average Assets 2.63%
Net Income 2.98M
Net Interest Spread 6.24%
Operating Profit to Average Assets 2.84%
Overhead Efficiency Ratio 52.88%
Return on Assets 2.84%
Return on Equity 17.90%