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Overview / Commentary
206 West Ferguson Street
Pharr, TX 78577

Lone Star National Bank is headquartered in Pharr and is the 29th largest bank in the state of Texas. It is also the 381st largest bank in the nation. It was established in 1983 and as of December of 2017, it had grown to 667 employees at 28 locations. Lone Star National Bank has a B+ health rating.

Reviews (1)

Nice Staff

Posted by: laurag | Oct 2, 2013

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!


Health Grade Components

FDIC Certificate #24347
Year Established1983
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD4.57%
Annual Interest Income$80.9MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$2.23B$2.18B
LoansQ4 2017vs Q4 2016$1.16B$1.17B
DepositsQ4 2017vs Q4 2016$1.95B$1.83B
Equity CapitalQ4 2017vs Q4 2016$244.7MM$249.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$22.0MM$23.3MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$31.4MM$45.7MM
Real Estate OwnedQ4 2017vs Q4 2016$14.8MM$14.0MM
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Lone Star National Bank Savings Account Rates

0.32%*$750k*-Select CD Savings
OTHER TIERS: 0.10% $700 - $25k | 0.15% $25k - $50k | 0.25% $50k - $100k | 0.27% $100k - $500k | 0.30% $500k - $750k
OTHER TIERS: 0.10% $50 - $10k | 0.15% $10k - $25k

Lone Star National Bank Money Market Rates

0.25%*$50k*-Money Market
OTHER TIERS: 0.05% $2,500 - $15k | 0.10% $15k - $25k | 0.15% $25k - $50k

Lone Star National Bank Checking Account Rates

0.50%*$50k*-GenGold Checking w/Images
OTHER TIERS: 0.10% $1,200 - $15k | 0.20% $15k - $25k | 0.30% $25k - $50k
0.50%*$50k*-Gen Gold w/Trn
OTHER TIERS: 0.10% $1,200 - $15k | 0.20% $15k - $25k | 0.30% $25k - $50k
0.40%*$50k*-Lone Star Legacy Club w/Images
OTHER TIERS: 0.05% Up to $15k | 0.15% $15k - $25k | 0.25% $25k - $50k
0.40%*$50k*-Lone Star Legacy Club w/Trn
OTHER TIERS: 0.05% Up to $15k | 0.15% $15k - $25k | 0.25% $25k - $50k
0.25%*$50k*-NOW Checking
OTHER TIERS: 0.05% $1,200 - $15k | 0.10% $15k - $25k | 0.15% $25k - $50k