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Lone Star National Bank
Pharr, TX · FDIC Certificate #24347 · Chartered 01/2
Total assets
$3.28B
Total deposits
$2.88B
Total equity
$383.67M
Net loans
$1.75B
Branches (offices)
36
Net income (YTD)
$23.97M
Rank: #392 of 4,213 U.S. banks by assets · #29 of 346 in Texas. Assets changed 2.2% and deposits 0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.44% |
| Return on equity | 12.92% |
| Net interest margin (YTD) | 3.73% |
| Equity to assets | 11.69% |
| Tier 1 leverage ratio | 12.87% |
| Uninsured deposits (share of deposits) | 58.8% |
| Noncurrent loans (share of loans) | 1.06% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 60.7% |
| Real estate loans (share of loans) | 89.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.56B | 89.0% | |
| Commercial & industrial | $120.15M | 6.9% | |
| Consumer / individual | $19.97M | 1.1% | |
| Construction & development | $265.13M | 15.1% | |
| Agricultural | $745.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.16B | $2.89B | $18.49M | $263.86M |
| Jun 2023 | $2.79B | $2.51B | $23.04M | $262.78M |
| Jun 2024 | $2.99B | $2.65B | $20.81M | $303.54M |
| Jun 2025 | $3.21B | $2.86B | $39.78M | $319.46M |
| Jun 2026 | $3.28B | $2.88B | $23.97M | $383.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $2.88B | 36 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.88B.
Similar-sized banks
Oakstar Bank ($3.29B) · Weststar Bank ($3.28B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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