This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Henderson, TX
Health score
76.6
Total assets
$117.7M
Bank
Eldorado, TX
Health score
91.7
Total assets
$119.6M
Answer first
Henderson Federal Savings Bank leads on capitalization; Lone Oak Bank, National Association leads on financial health and profitability and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Lone Oak Bank, National Association
Higher TFS health score
Capitalization
Henderson Federal Savings Bank
Higher comparable capital ratio
Profitability
Lone Oak Bank, National Association
Higher return on assets
Lending quality
Lone Oak Bank, National Association
Lower problem-loan measure
Growth
Lone Oak Bank, National Association
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Henderson Federal Savings Bank | Lone Oak Bank, National Association |
|---|---|---|
| TFS health score | 76.6/100 | 91.7/100Leads |
| Total assets | $117.7M | $119.6M |
| Total deposits / shares | $86.7M | $100.1M |
| Tier 1 capital ratio | 25.94%Leads | 15.26% |
| Return on assets | 1.06% | 3.48%Leads |
| Return on equity | 4.13% | 22.77% |
Henderson Federal Savings Bank
1 branches
Lone Oak Bank, National Association
2 branches
Both institutions report branches in 1 state: TX.
Henderson Federal Savings Bank
Unavailable
Lone Oak Bank, National Association
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Henderson Federal Savings Bank
0 in TFS registry
Lone Oak Bank, National Association
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Henderson Federal Savings Bank score | Henderson Federal Savings Bank ROA | Lone Oak Bank, National Association score | Lone Oak Bank, National Association ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.19% | — | 3.22% |
| 2024-Q4 | — | 1.15% | — | 3.18% |
| 2025-Q1 | — | 0.95% | — | 2.69% |
| 2025-Q2 | — | 1.02% | — | 2.74% |
| 2025-Q3 | — | 1.03% | — | 2.78% |
| 2025-Q4 | — | 1.04% | — | 2.83% |
| 2026-Q1 | 76.5/100 |
Keep watching
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 3.49% | 3.08%Leads |
| Net charge-offs | -0.00%Leads | 0.00% |
| Efficiency ratio | 60.93% | 45.10%Leads |
| Loan-to-deposit ratio | 93.93% | 86.77% |
| Asset growth (YoY) | 1.83% | 9.64%Leads |
| Deposit / share growth (YoY) | 1.02% | 9.07%Leads |
| Branches | 1 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.96% |
| 97.6/100 |
| 3.59% |
| 2026-Q2 | 76.6/100 | 1.06% | 91.7/100 | 3.48% |