Lone Star National Bank
Pharr, TX
IDRSSD: 842460
Total Assets
$3.20B
Latest filing
Total Deposits
$2.84B
Latest filing
Net Interest Margin
3.75%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Lone Star National Bank
206 W Ferguson St
Pharr, TX 78577
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/24/1983FDIC Certificate 16940
Branches (35)
Page 1 of 5| Name | Address | City / State |
|---|---|---|
| Lone Star National Bank (Main) | 206 W Ferguson St | Pharr, TX |
| LINDBERG BRANCH | 200 Lindberg Ave | Mcallen, TX |
| DOVE BRANCH | 5515 N 10th St | Mcallen, TX |
| MISSION BRANCH | 2003 E Griffin Pkwy | Mission, TX |
| RIO GRANDE CITY BRANCH | 2300 E Main St | Rio Grande City, TX |
| BROWNSVILLE BRANCH | 3300 North Expressway 83 | Brownsville, TX |
| EDINBURG BRANCH | 117 S 10th Ave | Edinburg, TX |
| HARLINGEN BRANCH | 1901 N Ed Carey Dr | Harlingen, TX |
Showing 7 of 35
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/24/1983 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78577 |
| State and County Number | 48215 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | McAllen-Edinburg-Mission, TX |
Operational Info
| Number of Employees | 709 |
| Domestic Offices | 36 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/24/1983 |
| Primary Insurance Agency | DIF |
| Website | www.lonestarnationalbank.com |
| Data Updated | 11/14/2025 |
| CERT | 24347 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.20B |
| Total Deposits | $2.84B |
| Total Liabilities | $2.85B |
| Total Equity Capital | $342.43M |
| Net Income | $10.36M |
| Net Loans and Leases | $1.69B |
| Assets Per Employee ($Millions) | $4.7M |
| Bank Premises and Fixed Assets | $56.19M |
| Cash and Balances due from Depository Institutions | $303.05M |
| Deposits Held in Domestic Offices | $2.84B |
Key Performance Ratios
| Return on Assets (ROA) | 1.29% |
| Return on Equity (ROE) | 12.52% |
| Net Interest Margin | 3.75% |
| Efficiency Ratio | 66.85% |
| Tier 1 Risk-Based Capital Ratio | 19.419% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.715% |
| Earning Assets to total Assets | 93.12% |
Income and Expense
| Total Interest Income | $40.36M |
| Total Noninterest Income | $9.26M |
| Total Interest Expense | $12.52M |
| Total Noninterest Expense | $24.80M |
| Net Interest Income | $27.84M |
| Pre-tax Net Operating Income | $12.09M |
| Provision for Credit Losses | $205.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.63M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.00M |
| All Other Liabilities | $13.68M |
| Total Liabilities and Capital | $3.20B |
Securities
| Securities | $1.02B |
| Available-for-sale debt securities | $1.02B |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Lone Star National Bank?
$3.20B as of the latest filing.
How much are Lone Star National Bank's total deposits?
$2.84B in total deposits.
Where is Lone Star National Bank located?
Pharr, TX.
What is the Net Interest Margin?
3.75%.
How many domestic offices does it operate?
36.
When was it established?
01/24/1983.
What is the Return on Assets (ROA)?
1.29%.
How much are total loans and leases?
$1.69B (latest filing).
What is the total interest income (latest filing)?
$40.36M.