LONE STAR NATIONAL BANK

PHARR, TX | Large | Est. Jan. 24, 1983, midnight | FDIC #24347 | RSSD #842460 | OCC
Latest Report: 2025-12-31

LONE STAR NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in PHARR, TX, established in Jan. 24, 1983, midnight. As of 2025-12-31, the bank reported total assets of $3.3B and total deposits of $2.9B. Profitability stands at 1.47% ROA and 13.50% ROE, with a net interest margin of 3.87%. The bank's CET1 capital ratio is 19.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 2.50%. FDIC Certificate #24347.

Assets

$3.3B

Deposits

$2.9B

Loans

$1.7B

Equity

$362M

Profitability

Return on Assets (ROA) 1.47%
Return on Equity (ROE) 13.50%
Net Interest Margin (NIM) 3.87%
Yield on Assets 5.44%
Cost of Funds 2.09%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.02%
Texas Ratio 2.50%
NPA Ratio 0.29%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 19.74%
Tier 1 Capital 19.74%
Total Capital Ratio 20.88%
Leverage Ratio 12.49%
Loan-to-Deposit 58.80%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required