Advertisement
Lone Star Bank
Houston, TX · FDIC Certificate #58324 · Chartered 08/2
Total assets
$202.28M
Total deposits
$176.01M
Total equity
$25.37M
Net loans
$174.12M
Branches (offices)
4
Net income (YTD)
$1.17M
Rank: #2,956 of 4,213 U.S. banks by assets · #253 of 346 in Texas. Assets changed 16.7% and deposits 17.2% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.19% |
| Return on equity | 9.56% |
| Net interest margin (YTD) | 4.35% |
| Equity to assets | 12.54% |
| Tier 1 leverage ratio | 12.65% |
| Uninsured deposits (share of deposits) | 22.4% |
| Noncurrent loans (share of loans) | 0.29% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 98.9% |
| Real estate loans (share of loans) | 94.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $163.93M | 94.2% | |
| Commercial & industrial | $12.11M | 7.0% | |
| Consumer / individual | $110.00K | 0.1% | |
| Construction & development | $16.24M | 9.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $147.31M | $128.14M | $783.00K | $18.92M |
| Jun 2023 | $163.99M | $142.49M | $815.00K | $21.08M |
| Jun 2024 | $161.53M | $138.97M | $469.00K | $21.84M |
| Jun 2025 | $173.32M | $150.19M | $737.00K | $22.50M |
| Jun 2026 | $202.28M | $176.01M | $1.17M | $25.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $176.01M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $176.01M.
Similar-sized banks
Verus Bank Of Commerce ($202.36M) · Oklahoma Bank And Trust Company ($202.26M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement