BlastPoint's Banking Scorecard
Lone Oak Bank, National Association
Eldorado, TX
2 branches across TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits +9.1% year over year ($100.1M on the books).
- Delinquency rate 3.13%.
- Return on assets 3.48%.
- Efficiency ratio 45.10% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.77% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Lone Oak Bank, National Association has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 4.8% in tier
- + Revenue Diversifier: Top 32.5% in tier
- + Deposit Franchise: Top 55.4% in tier
- + Efficiency Ratio 19.38% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.21% above tier average
- - Nonperforming Asset Ratio 1.76% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$119.6M
+9.6% YoY
-0.2% QoQ
|
-$267.0M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 5.4% in tier |
| Total Loans ? |
$86.9M
+16.8% YoY
+5.8% QoQ
|
-$171.5M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 13.4% in tier |
| Total Deposits ? |
$100.1M
+9.1% YoY
-1.3% QoQ
|
-$226.6M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 5.4% in tier |
| Return on Assets ? |
3.48%
+27.2% YoY
-3.0% QoQ
|
+2.16% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Top 1.0% in tier |
| Net Interest Margin ? |
6.34%
+4.0% YoY
+0.5% QoQ
|
+2.36% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 1.0% in tier |
| Efficiency Ratio ? |
45.10%
-17.2% YoY
+2.3% QoQ
|
-19.38% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Top 9.2% in tier |
| Delinquency Rate ? |
3.13%
+321.5% YoY
+467.3% QoQ
|
+2.21% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 5.8% in tier |
| Loan-to-Deposit Ratio ? |
86.77%
+7.1% YoY
+7.1% QoQ
|
+8.82% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
29.25%
-3.9% YoY
-1.6% QoQ
|
+7.22% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
80% |
| Nonperforming Asset Ratio ? |
2.42%
+379.2% YoY
+357.8% QoQ
|
+1.76% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 5.1% in tier |
| Tier 1 Capital Ratio ? |
15.26%
-3.1% YoY
+4.0% QoQ
|
-0.65% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.34%
+103.0% YoY
+34.0% QoQ
|
-0.23% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
78% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
29.2%
-1.2pp YoY -0.5pp QoQ |
+7.1pp | 22.1% | 29.2% | 22.2% | 80% |
| Brokered Deposits |
8.0%
+5.8pp YoY +2.1pp QoQ |
+0.1pp | 7.9% | 8.0% | 8.5% | 68% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
26.2%
+4.9pp YoY +1.2pp QoQ |
+14.6pp | 11.6% | 14.8% | 12.5% | 94% |
| CRE |
16.5%
-2.1pp YoY -1.5pp QoQ |
-23.1pp | 39.5% | 48.4% | 41.4% | 12% |
| 1-4 Family |
32.4%
+2.4pp YoY +0.5pp QoQ |
-0.2pp | 32.6% | 25.8% | 31.3% | 56% |
| Consumer |
5.5%
-0.3pp YoY -0.2pp QoQ |
+1.3pp | 4.1% | 4.7% | 5.0% | 80% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
15.3%
-0.5pp YoY +0.6pp QoQ |
+3.1pp | 12.2% | 12.6% | 12.6% | 88% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
0 YoY 0 QoQ |
-39 | 58 | 186 | 482 | 11% |
| Assets per Employee ($) |
$6.0M
+9.6% YoY -0.2% QoQ |
-$1.5M | $7.5M | $10.1M | $8.8M | 33% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 12 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.6%
+2.6pp QoQ |
+2.3pp | 0.3% | 0.3% | 0.4% | 99% |
| Nonaccrual |
0.5%
-0.3pp YoY -0.1pp QoQ |
-0.4pp | 0.9% | 1.0% | 1.0% | 52% |
| Allowance Coverage |
0.50x
-76.5% YoY -83.3% QoQ |
-23.65x | 24.15x | 18.82x | 20.23x | 10% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 34% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
22.8%
+5.4pp YoY -1.1pp QoQ |
+10.6pp | 12.2% | 13.2% | 11.6% | 94% |
| Cost of Funds (YTD) |
1.4%
-0.4pp YoY -0.1pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 30% |
| Net Income ($, YTD) |
$2.0M
+46.0% YoY — QoQ |
-$516K | $2.6M | $15.9M | $40.4M | 53% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (3)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.