Lone Star National Bank

Headquarters

206 W Ferguson St
Pharr, TX 78577
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Notable Rates	APY	Vs.Others
Savings	N.A.	5.50% →
1-Year CD	N.A.	4.65% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Bank Information

Lone Star National Bank is an FDIC insured institution located in Pharr, TX. It was founded in 1983 and has approximately $2.99 billion in assets. Customers can open an account at one of its 30 branches.


FDIC Insured	Yes
FDIC Certificate	# 24347
Date Established	1983
Assets	$ 2.99 billion
Loans	$ 1,475.14 million
Deposits	$ 2.65 billion
Capital	$ 303.54 million

For a more detailed analysis of Lone Star National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 22, 2024

Your Current Location: Ohio, OH 43085

Loan Rates - December 22, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Lone Star National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.494%	6.375% 0.75 points $4,000 fees	$1,997	Learn More
NMLS ID: 1025894	6.863%	6.750% 1.00 points $3,705 fees	$2,076	Learn More
NMLS ID: 3030	7.325%	7.250% 0.75 points $2,400 fees	$2,183	Learn More
NMLS ID: 3029		points fees		Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

Note to Lone Star National Bank
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Branches

Lone Star National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Lone Star National Bank Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
West Loop Branch	1089.23	A	View Lobby Hours
Huebner Banking Center	1092.28	B	View Lobby Hours
Medical Center Branch	1096.48	C	View Lobby Hours
Zarzamora Branch	1102.15	D	View Lobby Hours
South Padre Island Branch	1218.16	E	View Lobby Hours
Harlingen Branch	1228.32	F	View Lobby Hours
Boca Chica Branch	1237.62	G	View Lobby Hours
Brownsville Branch	1237.73	H	View Lobby Hours
Edinburg Branch	1239.73	I	View Lobby Hours
Weslaco North Branch	1240.78	J	View Lobby Hours
Weslaco Branch	1241.24	K	View Lobby Hours
Dhr Medical Branch	1243.84	L	View Lobby Hours
Dove Branch	1244.27	M	View Lobby Hours
Nolana Branch	1244.62	N	View Lobby Hours
Corporate Branch	1244.65	O	View Lobby Hours
Lone Star National Bank	1245.09	P	View Lobby Hours
Pharr South Branch	1246.09	Q	View Lobby Hours
Art Village Branch	1246.86	R	View Lobby Hours
Med Point Mcallen Branch	1247.50	S	View Lobby Hours
Lindberg Branch	1247.56	T	View Lobby Hours
Mission Branch	1248.12	U	View Lobby Hours
La Placita Branch	1248.29	V	View Lobby Hours
Palmview Branch	1248.81	W	View Lobby Hours
Mission Medical Branch	1249.33	X	View Lobby Hours
Hildalgo Branch	1253.89	Y	View Lobby Hours
Rio Grande City Branch	1258.16	Z	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

Lone Star National Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

Lone Star National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Lone Star National Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

Lone Star National Bank	U.S. Bank Average
6.32%	4.48%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2024, Lone Star National Bank had $8,665,000 in non-current loans and $11,938,000 in owned real estate. To cover these potential losses it had $303,543,000 in equity and $22,600,000 in loans loss reserves. That gives it a Texas Ratio of 6.32%.

Return on Equity

Lone Star National Bank	U.S. Bank Average
13.88%	10.46%

Lone Star National Bank has a Return on Equity of 13.88% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

Lone Star National Bank	U.S. Bank Average
10.14%	10.84%

Lone Star National Bank has a Capitalization of 10.14% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Lone Star National Bank Balance Sheet Analysis

As of June 30, 2024, Lone Star National Bank had assets of $2,992,233,000, loans of $1,475,140,000, and deposits of $2,654,880,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2024

ASSETS
Cash & Balances due from depository institutions	$ 347.51 million
Interest-bearing balances	$ 310.12 million
Total securities	$ 993.79 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 1,475.14 million
Loan loss allowance	$ 22.60 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 11.94 million
Goodwill and other intangibles	$ 1.03 million
All other assets	$ 93.95 million
Total Assets	$ 2.69 billion

LIABILITIES
Total deposits	$ 2.65 billion
Interest-bearing deposits	$ 1,971.88 million
Deposits held in domestic offices	$ 2.65 billion
% insured (estimated)	42.15%
Federal funds purchased and repurchase agreements	$ 22.91 million
Trading liabilities	N.A.
Other borrowed funds	N.A.
Subordinated debt	N.A.
All other liabilities	$ 7.40 million
Total Liabilities	$ 2.69 billion
Shareholders’ Equity	$ 303.54 million

Summary Income Statement

June 30, 2024

INCOME AND EXPENSES
Total Interest Income	$ 71.07 million
Total Interest Expense	$ 21.54 million
Net interest income	$ 49.53 million
Provision for loan and lease losses	N.A.
Total non interest income	$ 17.13 million
Total non interest expense	$ 46.02 million
Pre-tax Net Operating Income	$ 18.52 million

Bank Loan Profile^?

The top three loan types in Lone Star National Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Texas, Lone Star National Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	12.54		✓
Multifamily Mortgages	3.40		✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	0.18		✓
Small Business Loans	7.34		✓
Construction and Development Loans	8.39		✓
Commercial Real Estate	46.02			✓
Commercial and Industrial Loans	5.14		✓
Farm Loans	0.08		✓

Customer Reviews for Lone Star National Bank

RICSHA

September 8, 2021 |

Just moved to south Texas from Oregon, and needed to open a local checking account. I liked the name, Lone Star National Bank so decided to give them a try; and am so glad that I did. Went to the lobby branch on S. Padre Island to get started. Teller greeted us, and referred us to the Manager, who introduced us to Banker Israel Nunez. I wanted a checking account in my name, with my wife on the account; he quickly understood my needs and carefully explained all the options to us. Once we reached agreement on the type of account that best met my needs, he quickly got the paperwork done to set up our new account, got checks ordered, as well as a debit card for me. Finally, after giving us a gift bag of Bank logo goodies, he brought us back to the Manager, Martin Infante, for goodby handshakes, and to be sure all our needs had been met. It was a pleasure to meet, and work with, these two gentlemen. They were perfect examples of "Texas friendly". I highly recommend Lone Star National Bank to anyone considering a new bank.

Is this review helpful? Yes:0 / No: 0
Antonio

May 15, 2021 |

Mortgage department run by amateurs,never had such a bad experience with a bank.Couldnt give me a loan in reasonable time with a credit score over 800,assets to pay the whole loan back in cash and 0 debt with steady income. Rate went up over a point while they dragged their feet and took their time. Don't go here.Just got a refinance from professionals at Broadway national bank in less than 30 days.Lone star took several months.they are the worst

Is this review helpful? Yes:1 / No: 0
Joe

August 20, 2020 |

I called at 9:15 am to talk with someone about a commercial loan and was told someone wold call me back, nobody ever did. I called back at 3:45 pm and was told someone would call me back, I told them they told me that in the morning and I was assured someone would call me. They didn't, fortunately a lot of other banks did call me back.

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Jose g

March 2, 2019 |

Wish I could give negative 5 stars! That's how bad their mortgage department is.Take their sweet time while your mortgage rate is going up.Make so many mistakes a 3rd grader can do better. You have been warned, don't go here.You will regret it

Is this review helpful? Yes:2 / No: 0
Frank P

March 2, 2019 |

Incompetent and slow,Managers are bad too.Made me lose lots of money waiting forever and losing a good intrest rate when I applied. If you go here you will regret it the rest of your life and it will cost you thousands of dollars for their mistakes and incompetent workers

Is this review helpful? Yes:2 / No: 0

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