Lone Oak Bank, National Association
Eldorado, TX
IDRSSD: 665258
Total Assets
$107.42M
Latest filing
Total Deposits
$89.33M
Latest filing
Net Interest Margin
6.43%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Lone Oak Bank, National Association
100 Ne Main St
Eldorado, TX 76936
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1907FDIC Certificate 2046
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Lone Oak Bank, National Association (Main) | 100 Ne Main St | Eldorado, TX |
| LORAINE BRANCH | 100 S Main Street | Loraine, TX |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76936 |
| State and County Number | 48413 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 20 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/06/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.loneoakbank.com |
| Data Updated | 11/14/2025 |
| CERT | 3184 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $107.42M |
| Total Deposits | $89.33M |
| Total Liabilities | $89.90M |
| Total Equity Capital | $17.52M |
| Net Income | $758.00k |
| Net Loans and Leases | $75.50M |
| Assets Per Employee ($Millions) | $5.65M |
| Bank Premises and Fixed Assets | $1.00M |
| Cash and Balances due from Depository Institutions | $3.62M |
| Deposits Held in Domestic Offices | $89.33M |
Key Performance Ratios
| Return on Assets (ROA) | 2.8% |
| Return on Equity (ROE) | 17.69% |
| Net Interest Margin | 6.43% |
| Efficiency Ratio | 51.17% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.3% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.309% |
| Earning Assets to total Assets | 92.08% |
Income and Expense
| Total Interest Income | $2.02M |
| Total Noninterest Income | $113.00k |
| Total Interest Expense | $420.00k |
| Total Noninterest Expense | $878.00k |
| Net Interest Income | $1.60M |
| Pre-tax Net Operating Income | $758.00k |
| Provision for Credit Losses | $80.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $11.50M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $576.00k |
| Total Liabilities and Capital | $107.42M |
Securities
| Securities | $10.23M |
| Available-for-sale debt securities | $10.23M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Lone Oak Bank, National Association?
$107.42M as of the latest filing.
How much are Lone Oak Bank, National Association's total deposits?
$89.33M in total deposits.
Where is Lone Oak Bank, National Association located?
Eldorado, TX.
What is the Net Interest Margin?
6.43%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1907.
What is the Return on Assets (ROA)?
2.8%.
How much are total loans and leases?
$75.50M (latest filing).
What is the total interest income (latest filing)?
$2.02M.