Lone Star National Bank

206 West Ferguson Street
Pharr, TX 78577

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 1.00% 2.20% →
2-Year CD 1.26% 2.20% →
5-Year CD 1.60% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 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 $2.17 billion in assets. Customers can open an account at one of its 30 branches.

FDIC Insured Yes
FDIC Certificate # 24347
Date Established 1983
Assets $2.17 billion
Loans $1.16 billion
Deposits $1.86 billion
Capital $0.29 billion
 

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 - February 24, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1,500 $4,999 Learn MoreShow Less
Money Market
1.00% $10,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
6 Mo CD
0.50% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.50% $100,000 - Learn MoreShow Less
12 Mo CD
1.00% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
1.00% $100,000 - Learn MoreShow Less
18 Mo CD
1.00% $1,000 $99,999 Learn MoreShow Less
18 Mo CD
1.00% $100,000 - Learn MoreShow Less
24 Mo CD
1.26% $1,000 $99,999 Learn MoreShow Less
24 Mo CD
1.26% $100,000 - Learn MoreShow Less
1.45% $1,000 $99,999 Learn MoreShow Less
30 Mo CD
1.45% $100,000 - Learn MoreShow Less
1.50% $1,000 $99,999 Learn MoreShow Less
36 Mo CD
1.50% $100,000 - Learn MoreShow Less
1.55% $1,000 $99,999 Learn MoreShow Less
48 Mo CD
1.55% $100,000 - Learn MoreShow Less
1.60% $1,000 $99,999 Learn MoreShow Less
60 Mo CD
1.60% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.00% $1,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,200 $14,999 Learn MoreShow Less

Loan Rates - February 24, 2020

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.284% 3.250% 0.38 $1,070 $1,089 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Lone Star National Bank
To upload and update your bank's rates please register. It is free to register and add rates.

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:
Ashburn,Virginia


Lone Star National Bank Locations


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
13.16% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2019, Lone Star National Bank had $26,104,000 in non-current loans and $14,909,000 in owned real estate. To cover these potential losses it had $289,699,000 in equity and $21,992,000 in loans loss reserves. That gives it a Texas Ratio of 13.16%.

Return on Equity
Lone Star National Bank U.S. Bank Average
9.2% 9.72%

Lone Star National Bank has a Return on Equity of 9.2% versus the BestCashCow average of 9.72%. 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
13.34% 12.89%

Lone Star National Bank has a Capitalization of 13.34% versus the BestCashCow average of 12.89. 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 September 30, 2019, Lone Star National Bank had assets of $2,172,196,000, loans of $1,157,653,000, and deposits of $1,858,023,000. 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

September 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.15 billion
Interest-bearing balances $0.12 billion
Total securities $0.69 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $1.16 billion
Loan loss allowance $0.02 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.09 billion
     Total Assets $1.88 billion
LIABILITIES
Total deposits $1.86 billion
      Interest-bearing deposits $1.58 billion
      Deposits held in domestic offices $1.86 billion
      % insured (estimated) 46.14%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $1.88 billion
      Shareholders’ Equity $0.29 billion

Summary Income Statement

September 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.07 billion
Total Interest Expense $0.01 billion
Net interest income $0.05 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.02 billion
Total non interest expense $0.05 billion
Pre-tax Net Operating Income $0.02 billion

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 Multifamily Mortgages, Small Business Loans, 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 18.18
Multifamily
Mortgages
8.70
Credit Card Loans 0.00
Consumer Auto Loans 0.26
Small Business Loans 9.89
Construction and Development Loans 12.08
Commercial Real Estate 47.71
Commercial and Industrial Loans 7.30
Farm Loans 0.07

Frequently Asked Questions About Lone Star National Bank

Branches and Savings

Is Lone Star National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #24347.

Why does Lone Star National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Lone Star National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Lone Star National Bank a commercial bank?

Yes

Where are Lone Star National Bank locations?

See branch locations nearby.

Is Lone Star National Bank open on Saturdays?

Is Lone Star National Bank open on Sundays?

What time does Lone Star National Bank open?

What time does Lone Star National Bank close?

Are Lone Star National Bank ATMs Open 24/7?

Do Lone Star National Bank ATMs accept cash deposits?

Can Lone Star National Bank customers use other ATMs?

Do Lone Star National Bank branches have notaries?

Will Lone Star National Bank notarize my document?

What address for Lone Star National Bank should I put for incoming ACH transfers?

Will the Lone Star National Bank branch print checks?

Do Lone Star National Bank checks expire?

Does Lone Star National Bank require US citizenship to open account?

Can Lone Star National Bank close my account?

Does Lone Star National Bank Report to credit bureaus?

Does Lone Star National Bank Use Equifax?

What is Lone Star National Bank's ACH Routing Number?

What is Lone Star National Bank's SWIFT code?

Products

Does Lone Star National Bank offer mortgages?

Compare mortgage rates here.

Does Lone Star National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Lone Star National Bank offer personal loans?

Compare personal loan rates here.

Does Lone Star National Bank offer student loans?

Will Lone Star National Bank cash a check?

Will Lone Star National Bank redeem a savings bond?

Does Lone Star National Bank cash savings bonds?

Will Lone Star National Bank cash money orders?

Can Lone Star National Bank issue a money order?

Does Lone Star National Bank do currency exchange?

Background on The Bank

Who owns Lone Star National Bank?

How long has Lone Star National Bank been around?

Can Lone Star National Bank transfer to other banks?

Does Lone Star National Bank have quick pay?

Does Lone Star National Bank accept rolled coins?

Will Lone Star National Bank accept loose change?

Where is Lone Star National Bank headquarters?

Customer Reviews for Lone Star National Bank


  • March 02, 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

  • March 02, 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

  • August 23, 2018 |

    Worst customer service and don't try to work with you on a loan.Mortgage team doesn't know what they are doing, Take their sweet time processing your application, meanwhile intrest rates are going up.Beware,try another bank

  • August 22, 2018 |

    Worst mortgage center, bunch of amateurish who don't know what they are doing. Take forever to give a loan even with perfect credit score.Do not get any type of loan here,you will regret it the rest of your life

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