Total Assets
$3.3B
Total balance-sheet footings
FDIC Cert #24347 · Pharr, Texas · Est. 1983
Lone Star National Bank - FDIC Bank Health Profile
A community-scale look at Lone Star National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.3B
- Total assets
- A
- Health grade · Excellent
- 1.94%
- Return on assets
- 19.7%
- Tier 1 capital
Data updated July 2026
The verdict
Lone Star National Bank earns a PlainBankData health grade of A (93/100), with well-capitalized at 19.74% Tier 1, profitable at 1.94% ROA, 66% efficiency ratio.
- #387
- largest of 4,313 FDIC banks by assets
- 91st
- percentile by asset size, nationally
- 19.74%
- Tier 1 ratio - above the 10% well-capitalized line
- 89th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Lone Star National Bank's 93/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Lone Star National Bank's composite health score
Tier 1 Capital Ratio (19.74%) 40/40
Return on Assets (ROA) (1.94%) 25/25
Texas Ratio (2.28%) 20/20
Efficiency Ratio (66.49%) 8/15
93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.9B
Customer-funded liabilities
Net Loans
$1.7B
Outstanding loan book
Net Income
$62M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Lone Star National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lone Star National Bank's score of 93/100 falls in the highlighted band.
Lone Star National Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Lone Star National Bank's $3.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.74% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.74%
Texas Ratio
2.28%
Equity Capital
$362M
Profitability metrics
Return on Assets (ROA)
89th percentile nationally
1.94%
Return on Equity (ROE)
18.50%
Efficiency Ratio
66.49%
What the numbers say about Lone Star National Bank
Lone Star National Bank is an FDIC-insured institution (Certificate #24347) headquartered in Pharr, Texas, established in 1983. It holds $3.3B in total assets - 387th of 4,313 FDIC-insured banks, $2.9B in customer deposits, and $1.7B in net loans. Its capital position: a Tier 1 ratio of 19.74%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.28% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (93 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Lone Star National Bank sits in the top decile of all FDIC-insured institutions by asset size (387th of 4,313), and within Texas it ranks 29th of 350 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Austin Bank, Texas, at $3.2B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$159M
Interest Income
$38M
Non-Interest Income
$98M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Lone Star National Bank reports a Texas Ratio of 2.28% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.28% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lone Star National Bank (FDIC Cert #24347) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Lone Star National Bank's health grade?▼
Lone Star National Bank receives a health grade of A (93/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Lone Star National Bank?▼
Lone Star National Bank holds $3.3B in total assets and $2.9B in deposits, ranking 387th of 4,313 FDIC-insured banks by asset size. It is headquartered in Pharr, Texas.
Is my money safe at Lone Star National Bank?▼
Yes, deposits at Lone Star National Bank (Certificate #24347) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Lone Star National Bank's Tier 1 Capital Ratio?▼
Lone Star National Bank has a Tier 1 Capital Ratio of 19.74%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Lone Star National Bank?▼
Lone Star National Bank has a Texas Ratio of 2.28%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Lone Star National Bank?▼
Lone Star National Bank has an Efficiency Ratio of 66.49%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Lone Star National Bank's profile as a depositor or analyst.
- Lone Star National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Lone Star National Bank against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.