Lone Oak Bank, National Association is a bank based in Eldorado, Texas, established in 1907, with $120 million in total assets across 2 branches. By Trust Grade it ranks 110th of 349 banks we track in Texas. Its capital ratio of 15.0% is stronger than 89% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 3.59% return on assets. No consumer complaints against Lone Oak Bank, National Association appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Lone Oak Bank, National Association compares to Texas peers
How we graded Lone Oak Bank, National Association
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (15.0% capital ratio)
- Strongly profitable (ROA 3.59%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Lone Oak Bank, National Association over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 100 Ne Main St, Eldorado, TX 76936
- 100 S Main Street, Loraine, TX 79532
Are deposits at Lone Oak Bank, National Association insured?
Yes. Lone Oak Bank, National Association is an FDIC-insured bank (FDIC certificate #3184). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Lone Oak Bank, National Association: frequently asked questions
Is Lone Oak Bank, National Association a good bank?
Lone Oak Bank, National Association earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (15.0% capital ratio); Strongly profitable (ROA 3.59%).
Is Lone Oak Bank, National Association FDIC-insured?
Yes. Lone Oak Bank, National Association is a FDIC-insured bank (FDIC certificate #3184). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Lone Oak Bank, National Association?
Lone Oak Bank, National Association holds $120 million in total assets, ranking 110th of 349 banks we track in Texas. It operates 2 branches.
Does Lone Oak Bank, National Association have CFPB complaints?
No CFPB complaints against Lone Oak Bank, National Association appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
