TX lenders / Community Bank
Lone Oak Bank, National Association
Community Bank · Eldorado, TX · First Eldorado Bancshares Inc
- Total assets
- $119.9M
- CRE loan book
- $14.8M
- QoQ CRE growth
- -3.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.63% as of Q1 2026 — TX bank median 6.76% (0.87pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.63% | 8.81% |
| Q4 2025 | 8.00% | 9.16% |
| Q3 2025 | 8.16% | 9.21% |
| Q2 2025 | 8.22% | 9.17% |
| Q1 2025 | 7.91% | 8.85% |
| Q4 2024 | 7.40% | 9.31% |
| Q3 2024 | 7.90% | 9.62% |
| Q2 2024 | 7.66% | 9.30% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $14.8M | $2.5M | $1.8M | 44% | $0 |
| Q4 2025 | $15.4M | $3.3M | $2.1M | 54% | $0 |
| Q3 2025 | $14.7M | $3.5M | $1.8M | 52% | $0 |
| Q2 2025 | $13.8M | $3.0M | $1.9M | 51% | $0 |
| Q1 2025 | $14.0M | $3.8M | $1.9M | 55% | $0 |
| Q4 2024 | $12.8M | $3.6M | $1.9M | 52% | $0 |
| Q3 2024 | $22.3M | $4.1M | $0 | 104% | $0 |
| Q2 2024 | $22.4M | $4.3M | $0 | 110% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Apex Banking Company of GeorgiaCommunity Bank · Cleveland · $14.7M CRE book
- Valley Premier BankCommunity Bank · Hawley · $14.8M CRE book
- Citizens State Bank and Trust Co., Ellsworth, KansasCommunity Bank · Ellsworth · $14.7M CRE book
- The North Country Savings BankCommunity Bank · Canton · $15.0M CRE book
- The Bank of CommerceCommunity Bank · White Castle · $14.6M CRE book
See all alternatives to Lone Oak Bank, National Association →
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.