BlastPoint's Banking Scorecard

Lone Oak Bank, National Association

$100M-$1B Specialty: Commercial TX FDIC cert 3184

Eldorado, TX

2 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Lone Oak Bank, National Association shows strong momentum with 5 strengths and 19.1% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 3.0% in tier
+ Revenue Diversifier: Top 16.7% in tier
+ Deposit Franchise: Top 50.4% in tier
+ Efficiency Ratio 21.19% below tier average
+ Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Lone Oak Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$119.9M +19.1% YoY +7.0% QoQ	-$266.2M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 5.7% in tier
Total Loans ?	$82.1M +18.8% YoY -1.3% QoQ	-$173.6M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 12.1% in tier
Total Deposits ?	$101.4M +20.5% YoY +7.1% QoQ	-$226.6M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 6.1% in tier
Return on Assets ?	3.59% +33.4% YoY +26.8% QoQ	+2.32%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 0.8% in tier
Net Interest Margin ?	6.31% +5.9% YoY -0.0% QoQ	+2.38%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 1.1% in tier
Efficiency Ratio ?	44.10% -18.9% YoY -16.6% QoQ	-21.19%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 8.0% in tier
Delinquency Rate ?	0.55% -35.2% YoY -35.6% QoQ	-0.34%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	42%
Loan-to-Deposit Ratio ?	81.01% -1.4% YoY -7.9% QoQ	+4.37%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	44%
Non-Interest-Bearing Deposit Share ?	29.71% +2.4% YoY +1.4% QoQ	+7.69%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	81%
Nonperforming Asset Ratio ?	0.53% -9.3% YoY -16.8% QoQ	-0.11%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	14.67% -8.9% YoY -1.9% QoQ	-1.16%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.25% +185.9% YoY -31.3% QoQ	-0.03%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 8.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Profitability Leader

growth

#21 of 666 • Top 3.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 3.59%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#112 of 666 • Top 16.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.25%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 3.59%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Deposit Franchise

growth

#138 of 272 • Top 50.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 29.71%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 6.31%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 3.59%

Peer Median: 1.27%

#23 of 2664 Top 0.8% in $100M-$1B

Net Interest Margin

profitability

Value: 6.31%

Peer Median: 3.93%

#30 of 2664 Top 1.1% in $100M-$1B

213

Efficiency Ratio

profitability

Value: 44.10%

Peer Median: 65.29%

#213 of 2664 Top 8.0% in $100M-$1B

238

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.28%

#238 of 2664 Top 8.9% in $100M-$1B

510

Non-Interest-Bearing Deposit Share

funding

Value: 29.71%

Peer Median: 22.02%

#510 of 2664 Top 19.1% in $100M-$1B

Top Weaknesses (3 metrics)

2512

Total Assets

size

Value: $119.89M

Peer Median: $386.08M

#2512 of 2664 Bottom 5.7% in $100M-$1B

2502

Total Deposits

size

Value: $101.41M

Peer Median: $327.97M

#2502 of 2664 Bottom 6.1% in $100M-$1B

2343

Total Loans

size

Value: $82.15M

Peer Median: $255.72M

#2343 of 2664 Bottom 12.1% in $100M-$1B