← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Lone Star National Bank

Pharr, Texas · $3.28B in assets · beside the 11 other Texas banks between $3B and $10B

The filing

1.42%
ROA
9th of 12
63.1%
Efficiency
9th of 12
61.5%
Loans / deposits
5th of 12

Lone Star National Bank is the tenth largest of the 12 Texas banks nearest its size between $3B and $10B, with $3.28B in assets at 30 June 2026. Loans are 61.5% of deposits, 5th of 12 against a median of 68.7%, and equity is 11.7% of assets, 6th of 12. Loans grew +4.0% in the year, 6th of 12, and deposits grew 0.7%; the cohort's median loan growth is +3.4%.

Noncurrent loans are 1.06% of the book, 8th of 12 against a median of 0.91%; 0.63% is 30 to 89 days past due, and the allowance covers them 1.2 times. Commercial real estate is 53.7% of loans, 8th of 12 against a median of 44.7%, and 207% of capital, below the 300% screen, with construction at 58% against the 100% screen.

Return on assets is 1.42%, 9th of 12 against a median of 1.60%, on an efficiency ratio of 63.1%, 9th of 12. Five years ago it was 1.21%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsTX banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.60% MB Monet Bank 4.24% WB Weststar Bank 2.25% AB Austin Bank Texas N.A. 2.07% IB International Bank of Com 1.67% VB Vantage Bank Texas 1.64% VN Verabank National Association 1.60% IN Inwood National Bank 1.59% TB Texas Bank & Trust Co. 1.56% LS Lone Star National Bank 1.42% FN First National Bank Texas 1.17% TE Texas Exchange Bank 0.61% CC Cornerstone Capital Bank SSB 0.10%
Loans, year over yearTX banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.4% CC Cornerstone Capital Bank SSB +67.5% MB Monet Bank +18.5% VB Vantage Bank Texas +14.7% WB Weststar Bank +9.5% FN First National Bank Texas +6.9% LS Lone Star National Bank +4.0% IB International Bank of Com +2.7% IN Inwood National Bank +1.7% AB Austin Bank Texas N.A. +0.7% VN Verabank National Association -1.5% TB Texas Bank & Trust Co. -1.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

Lone Star National Bank is the 143rd largest 7(a) lender into Texas of 706, with $49M across 171 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 3 of its 8 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Hidalgo, TX$36M2nd of 9410.7%+4.7 pts
Cameron, TX$5M8th of 653.5%-0.2 pts
Starr, TX$4M1st of 1252.6%-31.0 pts
Bexar, TX$3M121st of 2370.1%+0.1 pts
Nueces, TX$818K53rd of 860.3%quiet FY2016
Harris, TX$350K273rd of 3140.0%quiet FY2020
Fort Bend, TX$350K155th of 1800.0%thin
El Paso, TX$90K93rd of 980.0%quiet FY2022
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance45$11M22.2%0.02%364th of 2,172
Accommodation & food services33$11M21.8%0.01%550th of 2,596
Arts, entertainment & recreation10$6M12.3%0.04%294th of 1,656
Retail trade19$5M9.9%0.01%738th of 2,589
Manufacturing8$5M9.4%0.01%726th of 2,246
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Lone Star National Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans LS Lone Star National Bank 0.1% $49M · 171 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Lone Star National BankRankCohort median
Total CRE against capital, the 300% screen207%8th of 12186%
Construction against capital, the 100% screen58%8th of 1257%
Construction and land development, share of loans15.0%11th of 1212.2%
Non-owner-occupied nonfarm nonresidential, share of loans32.7%9th of 1224.6%
Total CRE, the guidance definition, share of loans53.7%8th of 1244.7%
CRE growth over 36 months, the third prong+36.3%8th of 12+22.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Texas Bank & Trust Co.$4.34B1.6%54.7%0.61%0.01%1.2%91.5%12.9%
Inwood National Bank$4.26B1.6%38.2%0.37%0.41%0.9%67.7%11.6%
Cornerstone Capital Bank SSB$3.67B0.1%89.0%3.62%0.07%0.6%110.0%10.8%
Austin Bank Texas N.A.$3.33B2.1%51.3%0.60%0.05%1.5%89.3%15.1%
Lone Star National Bank$3.28B1.4%63.1%1.06%0.02%1.2%61.5%11.7%
Weststar Bank$3.28B2.3%47.0%0.00%-0.01%1.0%88.6%11.7%
Monet Bank$3.16B4.2%20.6%25.76%-4.13%1.5%49.8%31.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Lone Star National BankCohort median
20212026Change20212026Change
Loans$1.32B$1.77B+35%$1.44B$2.49B+73%
Deposits$2.54B$2.88B+13%$2.37B$3.27B+38%
NPA / loans3.72%1.06%-2.67 pts0.46%0.91%+0.46 pts
Efficiency62.7%63.1%+0.5 pts56.3%55.1%-1.3 pts
ROA1.21%1.42%+0.21 pts1.41%1.60%+0.19 pts

This read was prepared for Lone Star National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Lone Star National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $3B to $10B
Institution www.lonestarnationalbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue