Lone Oak Bank, National Association: how it compares with its peers
Against 93 TX banks with half to twice its assets, Lone Oak Bank, National Association's strongest measure in Q2 2026 is return on assets (3.48% vs. a 1.35% peer median). Its weakest relative measure is assets per employee ($6.0M vs. $6.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.48% | 1.35% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.34% | 4.04% | Top third Ahead of 98% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.10% | 64.75% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.1M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.77% | 57.23% | Context |
What it means for lending operations
Its efficiency ratio of 45.10% is better than the 64.75% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First State Bank Abernathy, TX · $121M
- Henderson Federal Savings Bank Henderson, TX · $118M
- Stockmens National Bank in Cotulla Cotulla, TX · $124M
- The Commercial Bank Mason, TX · $115M
- The Lytle State Bank of Lytle, Texas Lytle, TX · $115M
- Dalhart Federal Savings & Loan Association, SSB Dalhart, TX · $126M
Questions about Lone Oak Bank, National Association
How big is Lone Oak Bank, National Association?
Lone Oak Bank, National Association, established in 1907, is headquartered in Eldorado, TX. It reported $120M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Lone Oak Bank, National Association's return on assets?
3.48% annualized in Q2 2026, against a 1.35% median for 93 TX banks with half to twice its assets, ahead of 100% of them.
What is Lone Oak Bank, National Association's efficiency ratio?
45.10% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 64.75%, and lower is better.
Is Lone Oak Bank, National Association growing its loans?
Net loans grew 16.8% over the year to Q2 2026, while deposits grew 9.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.