Lone Star State Bank of West Texas

6220 Milwaukee Avenue
Lubbock, TX 79424

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 3116
Date Established 1919
Assets $0.85 billion
Loans $0.65 billion
Deposits $0.75 billion
Capital $0.10 billion

Lone Star State Bank of West Texas is an FDIC insured institution located in Lubbock, TX. It was founded in 1919 and has approximately $0.85 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of Lone Star State Bank of West Texas's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Lone Star State Bank of West Texas’s loan portfolio are Commercial and Industrial Loans, Farm Loans, and Commercial Real Estate.

Compared to other banks in Texas, Lone Star State Bank of West Texas has a significantly higher percent of Commercial and Industrial Loans, Farm Loans 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 5.68
Multifamily
Mortgages
0.49
Credit Card Loans 0.00
Consumer Auto Loans 0.22
Small Business Loans 5.82
Construction and Development Loans 8.07
Commercial Real Estate 22.04
Commercial and Industrial Loans 29.16
Farm Loans 22.43

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $1,000 $99,999 Learn MoreShow Less
3 Mo CD 10K
0.15% $1,000 $99,999 Learn MoreShow Less
3 Mo CD 100K
0.20% $100,000 - Learn MoreShow Less
3 Mo CD 100K
0.15% $100,000 - Learn MoreShow Less
6 Mo CD 10K
0.30% $1,000 $99,999 Learn MoreShow Less
6 Mo CD 10K
0.15% $1,000 $99,999 Learn MoreShow Less
6 Mo CD 100K
0.75% $100,000 - Learn MoreShow Less
6 Mo CD 100K
1.00% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.75% $1,000 $99,999 Learn MoreShow Less
Fixed IRA 0K
1.00% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.40% $500 $99,999 Learn MoreShow Less
Var IRA 0K
0.30% $1,000 - Learn MoreShow Less
Var IRA 0K
1.00% $1,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.10% $1 $4,999 Learn MoreShow Less
MM 10K
0.15% $5,000 $24,999 Learn MoreShow Less
MM 10K
0.10% $5,000 $24,999 Learn MoreShow Less
MM 25K
0.20% $25,000 $49,999 Learn MoreShow Less
MM 25K
0.25% $25,000 $49,999 Learn MoreShow Less
MM 25K
0.15% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1 $4,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Lone Star State Bank of West Texas

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

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

Branches

Lone Star State Bank of West Texas 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 State Bank of West Texas Locations

Financial Details

Lone Star State Bank of West Texas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Lone Star State Bank of West Texas. 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 State Bank of West Texas U.S. Bank Average
14.65% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Lone Star State Bank of West Texas had $16,285,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $97,903,000 in equity and $13,240,000 in loans loss reserves. That gives it a Texas Ratio of 14.65%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Lone Star State Bank of West Texas U.S. Bank Average
6.01% 8.58

Lone Star State Bank of West Texas has a Return on Equity of 6.01% versus the BestCashCow average of 8.58. 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 State Bank of West Texas U.S. Bank Average
11.55% 12.11

Lone Star State Bank of West Texas has a Capitalization of 11.55% versus the BestCashCow average of 12.11. 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 State Bank of West Texas Balance Sheet Analysis

As of June 30, 2017, Lone Star State Bank of West Texas had assets of $847,312,000, loans of $648,679,000, and deposits of $746,872,000. 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.

Frequently Asked Questions About Lone Star State Bank of West Texas

Branches and Savings

Is Lone Star State Bank of West Texas FDIC insured?

Yes. It is covered under FDIC Certificate #3116.

Why does Lone Star State Bank of West Texas 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 State Bank of West Texas CD rates not competitive?

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

Is Lone Star State Bank of West Texas a commercial bank?

Yes

Where are Lone Star State Bank of West Texas locations?

See branch locations nearby.

Is Lone Star State Bank of West Texas open on Saturdays?

Is Lone Star State Bank of West Texas open on Sundays?

What time does Lone Star State Bank of West Texas open?

What time does Lone Star State Bank of West Texas close?

Are Lone Star State Bank of West Texas ATMs Open 24/7?

Do Lone Star State Bank of West Texas ATMs accept cash deposits?

Can Lone Star State Bank of West Texas customers use other ATMs?

Do Lone Star State Bank of West Texas branches have notaries?

Will Lone Star State Bank of West Texas notarize my document?

What address for Lone Star State Bank of West Texas should I put for incoming ACH transfers?

Will the Lone Star State Bank of West Texas branch print checks?

Do Lone Star State Bank of West Texas checks expire?

Does Lone Star State Bank of West Texas require US citizenship to open account?

Can Lone Star State Bank of West Texas close my account?

Does Lone Star State Bank of West Texas Report to credit bureaus?

Does Lone Star State Bank of West Texas Use Equifax?

What is Lone Star State Bank of West Texas's ACH Routing Number?

What is Lone Star State Bank of West Texas's SWIFT code?

Products

Does Lone Star State Bank of West Texas offer mortgages?

Compare mortgage rates here.

Does Lone Star State Bank of West Texas offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Lone Star State Bank of West Texas offer personal loans?

Compare personal loan rates here.

Does Lone Star State Bank of West Texas offer student loans?

Will Lone Star State Bank of West Texas cash a check?

Will Lone Star State Bank of West Texas redeem a savings bond?

Does Lone Star State Bank of West Texas cash savings bonds?

Will Lone Star State Bank of West Texas cash money orders?

Can Lone Star State Bank of West Texas issue a money order?

Does Lone Star State Bank of West Texas do currency exchange?

Background on The Bank

Who owns Lone Star State Bank of West Texas?

How long has Lone Star State Bank of West Texas been around?

Can Lone Star State Bank of West Texas transfer to other banks?

Does Lone Star State Bank of West Texas have quick pay?

Does Lone Star State Bank of West Texas accept rolled coins?

Will Lone Star State Bank of West Texas accept loose change?

Where is Lone Star State Bank of West Texas headquarters?

Customer Reviews for Lone Star State Bank of West Texas


  • ann

    September 21, 2017 |

    CDs 12 Month Rates

    easy to establish a cd via mail

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