Side-by-side · Q2 2026 data
Lone Oak Bank, National Association vs Stockmens National Bank in Cotulla
Metric by metric
| Measure | Lone Oak Bank, National Association | Stockmens National Bank in Cotulla |
|---|---|---|
| TellerScore | 67 | 79 (stronger) |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 100 (stronger) | 88 |
| Funding & liquidity | 63 | 74 (stronger) |
| Problem-loan coverage | 71 | 80 (stronger) |
| Peer percentile | 34th | 75th |
| Total assets | $119.6M | $124.1M |
| Deposits / shares | $100.1M | $111.7M |
| Capital ratio | 15.26% (stronger) | 10.62% |
| Problem loans | 3.08% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 3.48% (stronger) | 1.70% |
| Loans ÷ deposits | 86.8% | 22.3% (stronger) |
| Uninsured deposits | 24.5% (stronger) | 38.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Stockmens National Bank in Cotulla has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Lone Oak Bank, National Association leads on 3 and Stockmens National Bank in Cotulla on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.