← Back to Institutions
Lone Star National Bank
Pharr, TX·FDIC Cert #24347·Charter: OCC·Est. 19830124.0·HC: LONE STAR NATL BANCSHARES--TEXAS
Total Assets
$3.3B
Q4 2025
Return on Assets
1.94%
-0.16%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
66.49%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
66
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.94%-0.16
ROE
18.50%-1.85
Efficiency
66.49%-1.53
Equity/Assets
0.00%+0.00
NPL Ratio
0.52%-0.14
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
58.03%-1.46
Charge-offs
0.02%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.4 | 1.4 | 1.4 | 3.8 | 2.5 | 2.1 | 1.9 |
| ROE | 12.9 | 13.9 | 13.7 | 14.0 | 36.4 | 24.6 | 20.4 | 18.5 |
| Efficiency | 70.0 | 69.0 | 68.9 | 68.5 | 70.2 | 68.6 | 68.0 | 66.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.6 | 0.8 | 0.5 | 0.5 | 0.6 | 0.7 | 0.5 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | -0.0 | 0.0 |
| Loan/Deposit | 57.6 | 55.6 | 58.1 | 56.6 | 57.5 | 58.8 | 59.5 | 58.0 |
Balance Sheet
Total Assets$3.3B
Total Deposits$2.9B
Total Loans$1.7B
Total Equity$361.6M
Profitability
ROA1.94%
ROE18.50%
Efficiency Ratio66.49%
Net Income$62.0M
Risk & Asset Quality
NPL Ratio0.52%
Charge-off Rate0.02%
Loan/Deposit58.03%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans