Lone Star National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Lone Star National Bank is an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $3.3B in total assets and $2.9B in deposits. Returns are notably above industry norms: 1.47% ROA, 13.21% ROE, and 3.81% NIM. Regulatory capital is solid, 20.01% CET1 and 21.09% total risk-based capital ratio. Asset quality is solid, 1.08% nonperforming loans and a 4.79% Texas Ratio. Its footprint covers 36 branches concentrated in Texas.
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 1.08%, a Texas ratio of 4.79%, per financial data filed with the FFIEC.
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
- Offices
- 36 domestic
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Lone Star National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Lone Star National 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Lone Star National Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.01% | 1.47% | 1.08% | 4.79% | 3.81% |
| Q1 2026 | 19.90% | 1.38% | 0.71% | 3.52% | 3.73% |
| Q4 2025 | 19.74% | 1.44% | 0.53% | 2.76% | 3.86% |
| Q3 2025 | 19.42% | 1.27% | 0.67% | 3.69% | 3.77% |
| Q2 2025 | 19.31% | 1.22% | 0.61% | 3.30% | 3.63% |
| Q1 2025 | 21.33% | 3.65% | 0.48% | 2.51% | 3.50% |
| Q4 2024 | 20.17% | 1.46% | 0.48% | 2.68% | 3.59% |
| Q3 2024 | 20.78% | 1.45% | 0.81% | 6.98% | 3.81% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 36 branches →
| 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
What the public regulatory sources show for Lone Star National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 447 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Lone Star National Bank headquartered?
Lone Star National Bank is headquartered in Pharr, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Lone Star National Bank founded?
Lone Star National Bank was established in 1983, per the FDIC institution directory.
Is Lone Star National Bank FDIC-insured?
Yes. Lone Star National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Lone Star National Bank's CET1 capital ratio?
Lone Star National Bank 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?
Lone Star National Bank 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?
Lone Star National Bank's Texas Ratio is 4.79% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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