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Overview / Commentary
206 West Ferguson Street
Pharr, TX 78577

Lone Star National Bank is headquartered in Pharr and is the 20th largest bank in the state of Texas. It is also the 326th largest bank in the nation. It was established in 1983 and as of December of 2013, it had grown to 609 employees at 30 locations. Lone Star National Bank has a B+ health rating.

Reviews (1)

Nice Staff

Well the fiirst thing i would have to say is that the bank has a well trained, well mannered staff. Everyone from the teller line to upper management. I heard about the bank when they did a presentation at my job. When they say "we bring the banking to you" they really mean it. Working for a doctors office in a clinic is really time consuming, and with my long hours, i wouldnt be able to do my paper work. The personal banker took time off her schedule to visit with me and take all my info and open the account! She was not only interested about taking my money but getting to know me very well. I can say i was treated well as a valued costumer despite barely having opened the account!

A week later i finally got time to go to the banking center on San Pedro to deposit more money and the whole branch was just so lively. The Personal banker introduced me to all of the staff! Thank you LSNB! You have my trust!


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Lone Star National Bank had $72.34 million in non-current loans and owned real-estate with $274.03 million in equity and loan loss allowances on hand to cover it. This gives Lone Star National Bank a Texas Ratio of 26.40% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Lone Star National Bank decreased slightly from 31.37% as of December 31, 2012 to 26.40% as of December 31, 2013, resulting in a positive change of 15.84%.This indicates that the balance sheet and financial strength for Lone Star National Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Lone Star National Bank has increased its total deposits by $93.57 million, resulting in 5.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Lone Star National Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Lone Star National Bank has $2.21 billion in assets with $274.03 million in equity, resulting in a capitalization level of 12.40%, which is excellent.

Institution Statistics

FDIC Certificate #24347
Year Established1983
Primary RegulatorOCC
Assets and Liabilities
Assets$2.21 billion
Loans$1.24 billion
Deposits$1.86 billion
Equity Capital$243.76 million
Loan Loss Allowance$30.27 million
Unbacked Noncurrent Loans$31.23 million
Real Estate Owned$41.11 million
Historic Data - December 2012
Assets$2.12 billion
Equity Capital$236.04 million
Loan Loss Allowance$32.62 million
Unbacked Noncurrent Loans$31.23 million
Real Estate Owned$36.33 million
Profit Margin - Quarterly
Net Interest Margin3.68%
Return on Assets0.74%
Return on Equity6.57%
Interest Income$87.10 million

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Lone Star National Bank has 29 locations. Click to view all Lone Star National Bank locations.