Lone Star National Bank

BankPharr, Texas
www.lonestarnationalbank.com

Total Assets

$3.3B

Total Deposits

$2.9B

Branches

36

Established

1983

TFS Health Grade

$
C+

78.8 / 100

Average financial health

How we grade

Lone Star National Bank is a bank headquartered in Pharr, Texas, established in 1983. With $3.3B in total assets and 36 branch locations, it has a TFS Financial Health Grade of C+ (78.8/100).

Capital & Safety

Tier 1 Capital Ratio
12.49%(8%)
Total Capital Ratio
20.88%(10%)
Non-Performing Loan Ratio
0.51%

Profitability

Return on Assets (ROA)
1.94%(1%)
Return on Equity (ROE)
18.50%(10%)
Net Interest Margin
3.69%
Efficiency Ratio
66.49%(60%)

Lending & Liquidity

Total Loans
$1.7B
Loan-to-Deposit Ratio
58.03%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
+3.80%
Deposit Growth (YoY)
+3.25%
Net Income
$62.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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