$3.41B
+7.9%y/y
Percentile by value18th percentileby value
FDIC
ASSETLS
Lone Star National Bank
Pharr, TexasFDIC Cert #24347
OCCEstablished 198336 branches
Holding company: LONE STAR NATL BANCSHARES--TEXASRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportLone Star National Bank reported $3.41B in total assets. Deposits grew 8.75% over the prior year.
Return on assets was 1.38%, compared with an asset-peer median of 1.31%. The leverage ratio was 12.58%.
- Why is Total Assets below asset peers?
- Why is Tier 1 Leverage Ratio above asset peers?
- Why is CRE Concentration to Capital above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$3.03B
+8.8%y/y
Percentile by value25th percentileby value
FDIC
DEP$1.71B
+6.9%y/y
Percentile by value5th percentileby value
FDIC
LNLSNET1.38%
−237 bpsy/y
Peer standing57th percentile
FDIC
NETINC + ROA64.01%
−614 bpsy/y
Peer standing26th percentile
FDIC
NONIX + NIM + NONII + EEFFR12.58%
−16 bpsy/y
Peer standing82nd percentile
FDIC
RBC1AAJPercentiles compare this bank with 269 banks from $3 billion to $10 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $2.88B | $2.54B |
| Q3 2021 | $2.92B | $2.58B |
| Q4 2021 | $3.06B | $2.8B |
| Q1 2022 | $3.03B | $2.81B |
| Q2 2022 | $3.16B | $2.89B |
| Q3 2022 | $3.05B | $2.82B |
| Q4 2022 | $3.06B | $2.81B |
| Q1 2023 | $2.95B | $2.66B |
| Q2 2023 | $2.79B | $2.51B |
| Q3 2023 | $2.78B | $2.5B |
| Q4 2023 | $2.94B | $2.61B |
| Q1 2024 | $2.87B | $2.54B |
| Q2 2024 | $2.99B | $2.65B |
| Q3 2024 | $2.99B | $2.62B |
| Q4 2024 | $3.16B | $2.81B |
| Q1 2025 | $3.16B | $2.78B |
| Q2 2025 | $3.21B | $2.86B |
| Q3 2025 | $3.2B | $2.84B |
| Q4 2025 | $3.28B | $2.91B |
| Q1 2026 | $3.41B | $3.03B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $305M |
| Investor CRE | $572M |
| Multifamily | $110M |
| Construction | $248M |
| 1–4 family | $273M |
| C&I | $118M |
| Agriculture | $14.4M |
| Other | $92.7M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.38%57th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE12.69%55th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY3.65%52nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR64.01%26th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP+8.75%68th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET+6.90%53rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.69%45th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ12.58%82nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.92%87th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC208%38th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 233%90th 347%Observations 239
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.38%50th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.38%90th 2.31%Observations 352
ROE
FDIC
NETINC + ROE12.69%48th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.93%Median 12.94%90th 22.26%Observations 352
NIM
FDIC
NIM + NIMY3.65%33rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.88%Median 4.04%90th 5.04%Observations 352
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR64.01%44th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.54%Median 62.04%90th 86.78%Observations 352
Deposits YoY
FDIC
DEP+8.75%68th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.62%Median +5.10%90th +21.38%Observations 349
Loans YoY
FDIC
LNLSNET+6.90%60th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.14%Median +4.54%90th +21.86%Observations 348
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.69%35th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.35%90th 2.30%Observations 348
Leverage
FDIC
RBC1AAJ12.58%69th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.37%Median 11.38%90th 15.81%Observations 352
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.92%77th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.45%Median 2.40%90th 3.46%Observations 349
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC208%66th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 166%90th 296%Observations 204
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.38%35th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.59%Median 1.46%90th 2.20%Observations 21
ROE
FDIC
NETINC + ROE12.69%40th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.47%Median 13.72%90th 18.76%Observations 21
NIM
FDIC
NIM + NIMY3.65%40th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.40%Median 3.74%90th 4.95%Observations 21
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR64.01%35th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.55%Median 60.08%90th 85.06%Observations 21
Deposits YoY
FDIC
DEP+8.75%80th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.74%Median +2.98%90th +14.65%Observations 21
Loans YoY
FDIC
LNLSNET+6.90%60th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.01%Median +5.15%90th +15.96%Observations 21
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.69%50th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.12%Median 0.69%90th 3.60%Observations 21
Leverage
FDIC
RBC1AAJ12.58%65th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.07%Median 11.84%90th 15.03%Observations 21
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.92%85th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.39%90th 3.50%Observations 21
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC208%42nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 98%Median 212%90th 314%Observations 20
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 36 branches
- Headquarters
- Pharr, TX
FDIC
OFFDOMOpen the Texas dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data