Side-by-side · Q2 2026 data
Lone Oak Bank, National Association vs Commercial State Bank
Metric by metric
| Measure | Lone Oak Bank, National Association | Commercial State Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 49 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 0 | 0 |
| Earnings | 100 (stronger) | 83 |
| Funding & liquidity | 63 | 65 (stronger) |
| Problem-loan coverage | 71 (stronger) | 50 |
| Peer percentile | 34th | 6th |
| Total assets | $119.6M | $126.6M |
| Deposits / shares | $100.1M | $114.3M |
| Capital ratio | 15.26% (stronger) | 10.92% |
| Problem loans | 3.08% (stronger) | 5.44% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 3.48% (stronger) | 1.57% |
| Loans ÷ deposits | 86.8% | 35.0% (stronger) |
| Uninsured deposits | 24.5% (stronger) | 46.8% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lone Oak Bank, National Association has the higher TellerScore (67 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Lone Oak Bank, National Association leads on 6 and Commercial State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.