Lone Star National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.21 percentage points higher than in Q1 2026, at 61.46%. Within Texas, Lone Star National Bank is 239th of 346 on loan-to-deposit ratio, 61.46% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Lone Star National Bank sits 26.74 points lower, at 61.46% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.77B |
| Net loans and leases | $1.75B |
| Loans held for sale | $1K |
| Loans to total assets | 54.00% |
| Loan-to-deposit ratio | 61.46% |
| Net loans to equity capital | 4.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.58% |
| Multifamily (5+ residential) | 6.06% |
| Commercial and industrial | 6.78% |
| Consumer | 1.13% |
| Credit cards | 0.00% |
| Farm | 0.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.94% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 210.77% |
| Construction concentration (Tier 1 capital + allowance) | 57.91% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.66% |
| Interest income on loans | $29.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.37B | $2.50B | 54.70% | 6.43% | 1.58% |
| Q4 2023 | $1.43B | $2.61B | 53.73% | 6.26% | 1.52% |
| Q1 2024 | $1.49B | $2.54B | 52.15% | 6.64% | 1.49% |
| Q2 2024 | $1.50B | $2.65B | 53.35% | 6.83% | 1.52% |
| Q3 2024 | $1.54B | $2.62B | 52.66% | 7.01% | 1.44% |
| Q4 2024 | $1.62B | $2.81B | 53.87% | 7.06% | 1.37% |
| Q1 2025 | $1.62B | $2.78B | 51.79% | 7.57% | 1.33% |
| Q2 2025 | $1.71B | $2.86B | 50.96% | 9.11% | 1.25% |
| Q3 2025 | $1.71B | $2.84B | 50.79% | 6.80% | 1.19% |
| Q4 2025 | $1.71B | $2.91B | 50.13% | 7.31% | 1.21% |
| Q1 2026 | $1.73B | $3.03B | 50.56% | 6.84% | 1.15% |
| Q2 2026 | $1.77B | $2.88B | 50.58% | 6.78% | 1.13% |
Lone Star National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lone Star National Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Lone Star National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24347) · FFIEC NIC profile (RSSD 842460)