Lone Star National Bank

Headquarters

206 West Ferguson Street
Pharr, TX 78577
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.35% 0.70% →
2-Year CD 0.35% 0.75% →
5-Year CD 0.55% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 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 $2.74 billion in assets. Customers can open an account at one of its 30 branches.

FDIC Insured Yes
FDIC Certificate # 24347
Date Established 1983
Assets $ 2.74 billion
Loans $ 1,284.64 million
Deposits $ 2.42 billion
Capital $ 308.89 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 - July 26, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $50 $9,999 Learn More
Money Market
0.20% $1,500 $4,999 Learn More
Money Market
0.35% $10,000 $49,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.25% $1,000 $99,999 Learn More
6 Mo CD
0.25% $100,000 - Learn More
12 Mo CD
0.35% $1,000 $99,999 Learn More
12 Mo CD
0.35% $100,000 - Learn More
18 Mo CD
0.35% $1,000 $99,999 Learn More
18 Mo CD
0.35% $100,000 - Learn More
24 Mo CD
0.35% $1,000 $99,999 Learn More
24 Mo CD
0.35% $100,000 - Learn More
30 Mo CD
0.45% $1,000 $99,999 Learn More
30 Mo CD
0.45% $100,000 - Learn More
36 Mo CD
0.50% $1,000 $99,999 Learn More
36 Mo CD
0.50% $100,000 - Learn More
48 Mo CD
0.55% $1,000 $99,999 Learn More
48 Mo CD
0.55% $100,000 - Learn More
60 Mo CD
0.55% $1,000 $99,999 Learn More
60 Mo CD
0.55% $100,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,200 $14,999 Learn MoreShow Less
 

Loan Rates - July 26, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.540% 2.500%
0.50 points
$1,310 fees
$988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$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:
Fairfield,Connecticut


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
20.05% 5.29%

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 March 31, 2021, Lone Star National Bank had $57,305,000 in non-current loans and $8,758,000 in owned real estate. To cover these potential losses it had $308,886,000 in equity and $20,615,000 in loans loss reserves. That gives it a Texas Ratio of 20.05%.

Return on Equity
Lone Star National Bank U.S. Bank Average
9.42% 11.43%

Lone Star National Bank has a Return on Equity of 9.42% versus the BestCashCow average of 11.43%. 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
11.28% 11.51%

Lone Star National Bank has a Capitalization of 11.28% versus the BestCashCow average of 11.51. 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 March 31, 2021, Lone Star National Bank had assets of $2,737,786,000, loans of $1,284,644,000, and deposits of $2,420,520,000. 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

March 31, 2021
ASSETS
Cash & Balances due from depository institutions $ 445.55 million
Interest-bearing balances $ 411.28 million
Total securities $ 852.60 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,284.64 million
Loan loss allowance $ 20.62 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 8.76 million
Goodwill and other intangibles $ 1.24 million
All other assets $ 88.63 million
     Total Assets $ 2.43 billion
LIABILITIES
Total deposits $ 2.42 billion
      Interest-bearing deposits $ 1,831.35 million
      Deposits held in domestic offices $ 2.42 billion
      % insured (estimated) 46.01%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 8.38 million
      Total Liabilities $ 2.43 billion
      Shareholders’ Equity $ 308.89 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 21.27 million
Total Interest Expense $ 2.05 million
Net interest income $ 19.22 million
Provision for loan and lease losses N.A.
Total non interest income $ 6.48 million
Total non interest expense $ 16.96 million
Pre-tax Net Operating Income $ 8.74 million

Bank Loan Profile?

The top three loan types in Lone Star National Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential 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 14.81
Multifamily
Mortgages
5.53
Credit Card Loans 0.00
Consumer Auto Loans 0.17
Small Business Loans 8.83
Construction and Development Loans 8.48
Commercial Real Estate 47.26
Commercial and Industrial Loans 20.03
Farm Loans 0.08

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


  • 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

  • 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.

  • 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

  • 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

  • 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

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