Lone Star National Bank
Lone Star National Bank reported total assets of $3.3 bn at Q2 2026, up 2.2% on a year earlier, the 386th largest of 497 banks in our US coverage. The CET1 capital ratio at Lone Star National Bank was 20.01%, and the uninsured share of Lone Star National Bank was 58.85%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Lone Star National Bank slipped from 15th to 217th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Lone Star National Bank has one of the highest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 58.85% at , against a median of 32.61% across 339 banks (FDIC Call Reports).
- At 20.01%, the common equity tier 1 (CET1) ratio of Lone Star National Bank sits in the top tenth of its size group ($1 bn to $10 bn, 287 banks), where the median is 13.22% (FDIC Call Reports).
What sets Lone Star National Bank apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower loan-to-deposit ratio than Lone Star National Bank, at 60.70% in ; the group median is 88.61%.
How large is Lone Star National Bank?
The balance sheet of Lone Star National Bank at : assets $3.3 bn, deposits $2.9 bn, net loans $1.8 bn (loans equal to 60.70% of deposits). Securities make up 33.0% of total assets at Lone Star National Bank. Since , when Lone Star National Bank held $2.2 bn, its assets grew 47.6%. In the year to , deposits at Lone Star National Bank rose 0.7% while its total assets rose 2.2%. At , Lone Star National Bank employed 661 full-time equivalent staff across 36 offices, about $5.0 mn of assets per employee and $80.1 mn of deposits per office.
How much funding at Lone Star National Bank is uninsured?
At Lone Star National Bank, uninsured deposits (above the FDIC limit) made up 58.85% of domestic deposits at (-0.71 pp on a year earlier); Lone Star National Bank ranks 31st of 500 on this measure. In dollars, Lone Star National Bank estimated $1.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.9 bn | +0.7% | 368th of 499 |
| Net loans and leases | $1.8 bn | +4.0% | 468th of 500 |
| Loan-to-deposit ratio | 60.70% | +1.93 pp | 455th of 500 |
| Tier 1 leverage ratio | 12.87% | +1.03 pp | 59th of 500 |
| Total risk-based capital ratio | 21.09% | +0.65 pp | 32nd of 448 |
| Net interest margin | 3.73% | +0.13 pp | 220th of 500 |
| Return on assets (ROA) | 1.44% | -1.06 pp | 175th of 500 |
| Efficiency ratio | 63.12% | -5.51 pp | 370th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $40.9 mn | Narrowed by $23.4 mn | |
| Noncurrent loans to total loans | 1.06% | +0.48 pp | 372nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.02% | -0.02 pp | 127th of 500 (1 = lowest) |
US rank of Lone Star National Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Lone Star National Bank: assets, deposits and loans
- Total assets $3.3bn
- Deposits $2.9bn
- Net loans $1.8bn
Capital and securities
The CET1 ratio of Lone Star National Bank stood at 20.01% in , +0.70 pp year on year. Low and high at Lone Star National Bank since : 15.65% () to 21.60% (). Equity capital of Lone Star National Bank at : $383.7 mn, or 11.7% of total assets. Lone Star National Bank also reported a total capital ratio of 21.09% for , and a tier 1 leverage ratio of 12.87%.
The available-for-sale portfolio of Lone Star National Bank showed an unrealized loss of $40.9 mn at ; the loss narrowed by $23.4 mn over the year.
Lone Star National Bank: capital ratios
- Total capital 21%
- CET1 20%
- Tier 1 leverage 13%
Lone Star National Bank: unrealized securities gains and losses
- Available for sale -$41mn
- Held to maturity $0
Profitability and loan quality
For the year to , Lone Star National Bank earned a return on equity of 12.92%; return on assets: 1.44%. Net interest margin at Lone Star National Bank: 3.73%, +0.13 pp in a year. Lone Star National Bank net income: $24.0 mn, down 39.7% year on year. The efficiency ratio of Lone Star National Bank was 63.12%: about 63 cents cost per revenue dollar, against 60 cents at the median peer.
At , noncurrent loans were 1.06% of total loans at Lone Star National Bank; net charge-offs: 0.02% of average loans. Gross loans and leases at Lone Star National Bank: $1.8 bn, up 4.0% in a year.
Lone Star National Bank: profitability
- Return on equity 13%
- Net interest margin 3.7%
- Return on assets 1.4%
Peer group of Lone Star National Bank
The peer group of Lone Star National Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Lone Star National Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Texas. Against them, Lone Star National Bank shows CET1 ratio 20.01% against a peer median of 14.26%, return on equity 12.92% against a peer median of 12.34% and uninsured deposit share 58.85% against a peer median of 29.23%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Union Savings Bank | State-chartered stock savings bank | CT | $3.3 bn | not reported | 8.38% | 22.67% | |
| Fidelity Bank | National bank | KS | $3.3 bn | 10.97% | 11.90% | 38.79% | |
| Oakstar Bank | State member bank | MO | $3.3 bn | not reported | 14.62% | 18.52% | |
| Lone Star National Bank | National bank | TX | $3.3 bn | 20.01% | 12.92% | 58.85% | |
| WestStar Bank | State member bank | TX | $3.3 bn | 13.13% | 19.53% | 61.03% | |
| Stearns Bank | National bank | MN | $3.3 bn | 15.39% | 12.78% | 15.89% | |
| Bristol County Savings Bank | State nonmember bank | MA | $3.3 bn | 17.84% | 4.27% | 35.78% | |
. FDIC Call Reports.
Last eight quarters
Two years at Lone Star National Bank, to : assets +9.8%, deposits +10.3%, equity +13.7%. Staff 705 to 661.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.0 bn | $3.2 bn | $3.2 bn | $3.2 bn | $3.2 bn | $3.3 bn | $3.4 bn | $3.3 bn |
| Total deposits | $2.6 bn | $2.8 bn | $2.8 bn | $2.9 bn | $2.8 bn | $2.9 bn | $3.0 bn | $2.9 bn |
| Bank equity capital | $337.6 mn | $311.2 mn | $341.2 mn | $319.5 mn | $342.4 mn | $361.6 mn | $367.6 mn | $383.7 mn |
| CET1 ratio | 20.78% | 20.17% | 21.33% | 19.31% | 19.42% | 19.74% | 19.90% | 20.01% |
| Return on equity (ROE) | 13.68% | 13.98% | 36.42% | 24.56% | 20.35% | 18.50% | 12.69% | 12.92% |
| Uninsured share of domestic deposits | 57.41% | 61.02% | 59.12% | 59.56% | 59.00% | 60.23% | 61.23% | 58.85% |
| Full-time equivalent employees | 705 | 700 | 708 | 709 | 680 | 675 | 664 | 661 |
| Number of offices | 36 | 36 | 36 | 36 | 36 | 36 | 36 | 36 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Lone Star National Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Lone Star National Bank?
Lone Star National Bank reported $3.3 bn at in its Call Report. That makes Lone Star National Bank the 386th largest of 497 banks in our US coverage.
Is Lone Star National Bank the same as its holding company?
No. This page covers Lone Star National Bank, FDIC certificate 24347; LONE STAR NATL BANCSHARES--TEXAS (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Lone Star National Bank profitable?
Lone Star National Bank reported net income of $24.0 mn for the year to ; annualized return on equity: 12.92%. So yes: Lone Star National Bank made a profit over these months.
When is data for Lone Star National Bank next updated?
Figures from Lone Star National Bank for are due after .
Where can I check the figures for Lone Star National Bank?
In the FDIC BankFind Suite record for certificate 24347, and in the Call Reports of Lone Star National Bank (RSSD ID 842460) at the FFIEC Central Data Repository.