Lone Oak Bank, National Association (FDIC certificate #3184) is based in Eldorado, Texas. Its Q2 2026 call report shows $119.6M in total assets and $100.1M in deposits and 2 offices.
Based on its Q2 2026 filing, Lone Oak Bank, National Association scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 255th. Its strongest component is capital cushion (100/100; 15.26%), and its lowest is loan quality (0/100; 3.08%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 23 points (90 → 67), mostly because the loan quality component weakened by 76 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 96 |
| Q3 2024 | 96 |
| Q4 2024 | 89 |
| Q1 2025 | 89 |
| Q2 2025 | 90 |
| Q3 2025 | 90 |
| Q4 2025 | 87 |
| Q1 2026 | 89 |
| Q2 2026 | 67 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.97% |
| Q3 2024 | 16.85% |
| Q4 2024 | 16.02% |
| Q1 2025 | 16.10% |
| Q2 2025 | 15.74% |
| Q3 2025 | 15.53% |
| Q4 2025 | 14.95% |
| Q1 2026 | 14.67% |
| Q2 2026 | 15.26% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.84% |
| Q1 2025 | 0.84% |
| Q2 2025 | 0.73% |
| Q3 2025 | 0.70% |
| Q4 2025 | 0.84% |
| Q1 2026 | 0.54% |
| Q2 2026 | 3.08% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.16% |
| Q3 2024 | 3.22% |
| Q4 2024 | 3.18% |
| Q1 2025 | 2.69% |
| Q2 2025 | 2.74% |
| Q3 2025 | 2.78% |
| Q4 2025 | 2.83% |
| Q1 2026 | 3.59% |
| Q2 2026 | 3.48% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $119.6M | 15.26% | 3.08% | 3.48% | 86.8% |
| Q1 2026 | 89 | $119.9M | 14.67% | 0.54% | 3.59% | 81.0% |
| Q4 2025 | 87 | $112.1M | 14.95% | 0.84% | 2.83% | 87.9% |
| Q3 2025 | 90 | $107.4M | 15.53% | 0.70% | 2.78% | 84.5% |
| Q2 2025 | 90 | $109.1M | 15.74% | 0.73% | 2.74% | 81.0% |
| Q1 2025 | 89 | $100.7M | 16.10% | 0.84% | 2.69% | 82.1% |
| Q4 2024 | 89 | $96.6M | 16.02% | 0.84% | 3.18% | 83.1% |
| Q3 2024 | 96 | $96.0M | 16.85% | 0.10% | 3.22% | 83.4% |
| Q2 2024 | 96 | $94.6M | 15.97% | 0.04% | 3.16% | 84.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First State BankBank Abernathy, TX | 68 out of 100, Moderate | $121.4M | 13.5% | 2.13% | vs |
| Henderson Federal Savings BankBank Henderson, TX | 60 out of 100, Moderate | $117.7M | 25.9% | 3.49% | vs |
| Stockmens National Bank in CotullaBank Cotulla, TX | 79 out of 100, Strong | $124.1M | 10.6% | 0.00% | vs |
| The Commercial BankBank Mason, TX | 79 out of 100, Strong | $114.6M | 9.9% | 0.00% | vs |
| The Lytle State Bank of Lytle, TexasBank Lytle, TX | 79 out of 100, Strong | $114.6M | 14.6% | 0.53% | vs |
| Dalhart Federal Savings & Loan Association, SSBBank Dalhart, TX | 69 out of 100, Moderate | $126.3M | 11.4% | 0.16% | vs |
Deposit insurance
Is my money safe at Lone Oak Bank, National Association?
Yes. Lone Oak Bank, National Association is an FDIC-insured institution (FDIC certificate #3184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.5% of deposits ($24.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Lone Oak Bank, National Association lists 2 offices in 2 cities. Most locations:
- Eldorado, TX (1)
- Loraine, TX (1)
Identity & history
Profile
- Legal name
- Lone Oak Bank, National Association
- Former names
- The First National Bank of Eldorado
- Type
- National bank
- FDIC certificate #
- 3184
- RSSD ID
- 665258
- Primary regulator
- OCC
- Holding company
- First Eldorado Bancshares Inc
- Established
- January 1, 1907
- Headquarters
- 100 Ne Main St, Eldorado, TX 76936
- Website
- www.loneoakbank.com
- Employees
- 20
Quick answers
Lone Oak Bank, National Association: common questions
Is Lone Oak Bank, National Association FDIC insured?
Yes. Lone Oak Bank, National Association is an FDIC-insured institution (FDIC certificate #3184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Lone Oak Bank, National Association's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Lone Oak Bank, National Association ever failed?
There is no failure record for FDIC certificate #3184 in the FDIC failed bank list.
How many branches does Lone Oak Bank, National Association have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Eldorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank and Trust, S.S.B.Bank Del Rio, TX | 77 out of 100, Strong | $583.8M | 10.0% | 0.05% | vs |
| 1st Community Federal Credit UnionCredit union San Angelo, TX | 58 out of 100, Moderate | $421.8M | 13.6% | 3.73% | vs |
| The First National Bank of SonoraBank Sonora, TX | 46 out of 100, Below average | $722.0M | 8.0% | 1.40% | vs |