BlastPoint's Banking Scorecard
Lone Oak Bank, National Association
Micro
Specialty: Commercial
TX
FDIC cert 3184
Designations: ✓ Community bank
Eldorado, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Lone Oak Bank, National Association shows strong momentum with 2 strengths and 16.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.74% above tier
- + Net Interest Margin 2.46% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$112.1M
+16.0% YoY
+4.3% QoQ
|
-$105.4M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$83.2M
+23.8% YoY
+10.2% QoQ
|
-$56.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$94.7M
+17.1% YoY
+6.0% QoQ
|
-$89.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
2.83%
-10.9% YoY
+1.8% QoQ
|
+1.74% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
6.32%
-1.7% YoY
+1.0% QoQ
|
+2.46% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
52.88%
+10.1% YoY
-0.8% QoQ
|
-14.85% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 15% in tier |
| Delinquency Rate ? |
0.86%
+0.5% YoY
+19.6% QoQ
|
+0.22% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
87.91%
+5.8% YoY
+4.0% QoQ
|
+13.38% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
29.29%
-8.4% YoY
-1.1% QoQ
|
+6.90% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.64%
+0.1% YoY
+26.3% QoQ
|
+0.18% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.37%
-7.7% YoY
+33.9% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.83%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.32%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Net Interest Margin
Current: 6.32% · Tier avg: 3.85%
98
98th pctile
Return on Assets
Current: 2.83% · Tier avg: 1.08%
85
85th pctile
Efficiency Ratio
Current: 52.88% · Tier avg: 67.73%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.29% · Tier avg: 22.39%
73
73th pctile
Loan-to-Deposit Ratio
Current: 87.91% · Tier avg: 74.53%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Total Loans
Current: $83.2M · Tier avg: $139.2M
33
33th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
27
27th pctile
Total Deposits
Current: $94.7M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $112.1M · Tier avg: $217.5M
Top Weaknesses
26
26th pctile
Total Assets
Current: $112.1M · Tier avg: $217.5M
27
27th pctile
Total Deposits
Current: $94.7M · Tier avg: $183.7M
31
31th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
33
33th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
36
36th pctile
Total Loans
Current: $83.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
73
73th pctile
Loan-to-Deposit Ratio
Current: 87.91% · Tier avg: 74.53%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.29% · Tier avg: 22.39%
85
85th pctile
Efficiency Ratio
Current: 52.88% · Tier avg: 67.73%
98
98th pctile
Return on Assets
Current: 2.83% · Tier avg: 1.08%
99
99th pctile
Net Interest Margin
Current: 6.32% · Tier avg: 3.85%