Lone Star National Bank
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Data as of · sourced from FFIEC call reports. How we update
Lone Star National Bank is an FDIC-insured commercial bank headquartered in Pharr, TX, established in 1983 (FDIC certificate 24347), and it is supervised by the OCC. At Q2 2026 it reported total assets of $3.28B, up 2.2% from Q2 2025, the 29th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 20.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 24347
- Headquarters
- Pharr, TX
- Established
- 1983
- Total assets, Q2 2026
- $3.28B
- Assets vs Q2 2025
- +2.2%
- CET1 ratio, Q2 2026
- 20.01%
- Domestic offices
- 36 FDIC institution directory, current count
- Routing number
- 114911687
- Latest call report
- Q2 2026, FFIEC 041 · Lone Star National Bank call report
- Holding company
- LONE STAR NATIONAL BANCSHARES--TEXAS, INC.
- Asset rank in state
- 29th of 346 in Texas
Problem loans are rising at Lone Star National Bank. It reported $3.3 billion in assets at June 30, 2026, up 2.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.05% of loans from 0.56% a year earlier. It holds common equity equal to 20.01% of its risk-weighted assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). On the other hand, it holds about half of its deposits (59%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
The non-owner-occupied commercial real estate book ($580 million) is worsening: 1.92% of it is past due or on nonaccrual, up from 0.11% a year earlier. Net income for the quarter rose 23% from a year earlier, to $12 million.
As of June 30, 2026, Lone Star National Bank reported a CET1 capital ratio of 20.01%, a return on assets of 1.47%, a nonperforming-loan ratio of 1.06% and a Texas ratio of 4.66%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Lone Star National Bank is the 29th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets fell 3.7% to $3.28B, loans rose 2.3% and deposits fell 4.7%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 32.7% of total loans, followed by owner-occupied commercial real estate loans at 17.9%. Its 36 offices in the FDIC Summary of Deposits are in 13 cities in TX; its Mcallen 10 offices book 57% of its branch deposits. On its Q2 2026 call report, Lone Star National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 206 W Ferguson St, Pharr, TX 78577
- County
- Hidalgo
- Metro Area
- McAllen-Edinburg-Mission, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 24, 1983
- Domestic offices
- 36 FDIC institution directory, current count
- Employees (FTE)
- 661
- Domestic deposits
- $2.88B
- Allowance for credit losses
- $22.1M
- Net charge-offs (YTD)
- $158K
- Average total assets
- $3.39B
- Average total loans
- $1.75B
- Average interest-bearing deposits
- $2.39B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 24, 1983
- FDIC Cert
- 24347
- Fed RSSD
- 842460
- SEC CIK
- 1014849 → filed by LONE STAR NATIONAL BANCSHARES--TEXAS, INC.
- Website
- www.lonestarnationalbank.com →
- Parent Holding Company
- LONE STAR NATIONAL BANCSHARES--TEXAS, INC. (RSSD 2325350)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Lone Star National Bank's total assets ranged from $2.78B (Q3 2023) to $3.41B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.28B total assets against $3.21B; $2.90B total liabilities against $2.89B.
$1.75B net loans and leases against $1.68B; $2.88B total deposits against $2.86B.
$1.08B securities against $1.07B; $266.5M cash and balances due against $269.4M.
$40.5M total interest income against $39.8M; $11.2M total interest expense against $12.7M.
$29.3M net interest income against $27.2M.
$9.4M total noninterest income against $9.1M; $24.1M total noninterest expense against $24.4M.
$0 provision for credit losses against $221K.
$12.4M net income against $10.1M.
1.47% return on assets against 1.22%; 3.81% net interest margin against 3.63%.
20.01% CET1 capital ratio against 19.31%; 12.87% tier 1 leverage ratio against 11.84%.
Inside the full Lone Star National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Lone Star National Bank rankings
Its closest position to the top of a national ranking is 40 of 980, for uninsured deposits; its furthest is 1,872 of 3,606, for efficiency ratio.
Metric pages for Lone Star National Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.22% (Q2 2025) to 3.65% (Q1 2025) and its net interest margin ran from 3.50% (Q1 2025) to 3.86% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.01% | 1.47% | 1.06% | 4.66% | 3.81% |
| Q1 2026 | 19.90% | 1.38% | 0.69% | 3.35% | 3.73% |
| Q4 2025 | 19.74% | 1.44% | 0.51% | 2.60% | 3.86% |
| Q3 2025 | 19.42% | 1.27% | 0.65% | 3.45% | 3.77% |
| Q2 2025 | 19.31% | 1.22% | 0.57% | 3.01% | 3.63% |
| Q1 2025 | 21.33% | 3.65% | 0.47% | 2.23% | 3.50% |
| Q4 2024 | 20.17% | 1.46% | 0.46% | 2.35% | 3.59% |
| Q3 2024 | 20.78% | 1.45% | 0.78% | 6.69% | 3.81% |
Swipe the table sideways to see every column.
Branch Network
View all 36 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Corporate Branch | Mcallen , TX | 78504 | $1.09B |
| Lone Star National Bank (main office) | Pharr , TX | 78577 | $165.8M |
| Nolana Branch | Mcallen , TX | 78504 | $150.6M |
| Rio Grande City Branch | Rio Grande City , TX | 78582 | $120.8M |
| Dove Branch | Mcallen , TX | 78504 | $109.7M |
| Brownsville Branch | Brownsville , TX | 78521 | $102.9M |
| Dhr Medical Branch | Mcallen , TX | 78504 | $97.1M |
| Harlingen Branch | Harlingen , TX | 78550 | $93.5M |
| Mission Branch | Mission , TX | 78572 | $85.5M |
| Weslaco Branch | Weslaco , TX | 78596 | $75.5M |
| Med Point Mcallen Branch | Mcallen , TX | 78503 | $70.5M |
| Edinburg Branch | Edinburg , TX | 78539 | $70.5M |
| Lindberg Branch | Mcallen , TX | 78501 | $69.3M |
| Roma Branch | Roma , TX | 78584 | $69.0M |
| Lone Star National Bank Branch | Edinburg , TX | 78539 | $56.1M |
| Palmview Branch | Mission , TX | 78572 | $47.2M |
| Rio Grande West Branch | Rio Grande City , TX | 78582 | $35.6M |
| Lone Star National Bank Branch | Mcallen , TX | 78504 | $32.9M |
| Boca Chica Branch | Brownsville , TX | 78521 | $31.6M |
| South Padre Island Branch | South Padre Island , TX | 78597 | $31.0M |
| Pharr South Branch | Pharr , TX | 78577 | $30.4M |
| Mission Medical Branch | Mission , TX | 78572 | $29.1M |
| Weslaco North Branch | Weslaco , TX | 78599 | $27.9M |
| Lone Star National Bank (main office) | Brownsville , TX | 78526 | $26.5M |
| West Loop Branch | San Antonio , TX | 78258 | $22.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC); 1 against individuals associated with it
- April 1, 2015, OCC: Civil Money Penalty (CMP): Lone Star National Bank
- March 31, 2015, OCC: Formal Agreement: Lone Star National Bank
- July 9, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Lone Star National Bank
- December 1, 1992, OCC: Formal Agreement: Lone Star National Bank
- Period: Most recent institution action April 1, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in TX, rank 48 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 466 applications, 232 loans originated, $136.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 28 loans, $6.6M approved, $234K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Lone Star National Bank
What are Lone Star National Bank's total assets?
As of the Q2 2026 filing, Lone Star National Bank reported total assets of $3.28 billion in its FFIEC call report.
Where is Lone Star National Bank headquartered?
It is headquartered in Pharr, TX, United States.
When was Lone Star National Bank founded?
It was established in 1983, per the FDIC institution directory.
Is Lone Star National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24347). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lone Star National Bank?
Lone Star National Bank's primary federal regulator is the OCC.
What is Lone Star National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Lone Star National Bank operate?
It operates 36 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lone Star National Bank's Texas Ratio?
Its Texas Ratio is 4.66% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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