LONE STAR NATIONAL BANK

PHARR, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1983FDIC #24,347

Outstanding Up

Current rating · Exam: July 2023

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.38%

Institution Profile

FDIC BankFind

Website

www.lonestarnationalbank.com

Address

206 W Ferguson St, PHARR, TX

County

Hidalgo County

Established

January 24, 1983

Total Assets

$3.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 24, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jul 2027(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.4B

Total Deposits

$3.0B

Net Loans

$1.7B

Net Income

$12M

ROA

1.38%

Above avg for Community banks. Peer avg: 0.90%

ROE

12.69%

Risk-Based Capital

21.03%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.38%Peer avg: 0.90%▲ Above avg

Risk-Based Capital21.03%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate24.05%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$2.9B

1-Year Change

5-year net change: +3 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	553	47.02%	24.05%
2023	474	45.78%	23.84%
2022	443	57.11%	19.41%
2021	622	41.8%	23.31%
2020	753	45.15%	19.26%
2019	614	52.93%	17.43%
2018	624	65.06%	9.94%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 2023	Outstanding	Large Bank
Apr 2020	Satisfactory	Large Bank
Sep 2016	Satisfactory	Large Bank

7 previous ratings locked — back to 1993

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/e1b10fba-c2b6-43cd-ab6c-268684bd799d"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: