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 - November 21, 2024
Your Current Location: Ohio, OH 43085
Loan Rates - November 21, 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: 1429043 License#: RM.804500.000 |
6.415% |
6.250% 0.75 points $5,600 fees |
$1,971 | Learn More |
NMLS ID: 66247 |
6.576% |
6.500% 0.75 points $2,544 fees |
$2,023 | Learn More |
NMLS ID: 1025894 |
6.953% |
6.875% 0.63 points $2,534 fees |
$2,103 | Learn More |
NMLS ID: 2890 License#: MBMB.850089.000 |
6.989% |
6.875% 0.88 points $3,721 fees |
$2,103 | Learn More |
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 |
Achieve Loans See Table |
Intro APR
10.625 %
After Intro: 10.625 % |
$0 |
Learn More
More Info |
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 |
|---|---|---|---|
| 1089.23 | A | View Lobby Hours | |
| 1092.28 | B | View Lobby Hours | |
| 1096.48 | C | View Lobby Hours | |
| 1102.15 | D | View Lobby Hours | |
| 1218.16 | E | View Lobby Hours | |
| 1228.32 | F | View Lobby Hours | |
| 1237.62 | G | View Lobby Hours | |
| 1237.73 | H | View Lobby Hours | |
| 1239.73 | I | View Lobby Hours | |
| 1240.78 | J | View Lobby Hours | |
| 1241.24 | K | View Lobby Hours | |
| 1243.84 | L | View Lobby Hours | |
| 1244.27 | M | View Lobby Hours | |
| 1244.62 | N | View Lobby Hours | |
| 1244.65 | O | View Lobby Hours | |
| 1245.09 | P | View Lobby Hours | |
| 1246.09 | Q | View Lobby Hours | |
| 1246.86 | R | View Lobby Hours | |
| 1247.50 | S | View Lobby Hours | |
| 1247.56 | T | View Lobby Hours | |
| 1248.12 | U | View Lobby Hours | |
| 1248.29 | V | View Lobby Hours | |
| 1248.81 | W | View Lobby Hours | |
| 1249.33 | X | View Lobby Hours | |
| 1253.89 | Y | View Lobby Hours | |
| 1258.16 | Z | View Lobby Hours |
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.
Is this review helpful? Yes:0 / No: 0
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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