BlastPoint's Banking Scorecard
Lone Star National Bank
Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution
Pharr, TX
36 branches across TX
Lone Star National Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 13.1% in tier
- - Credit Risk Growth: Bottom 40.0% in tier
- - Net Interest Margin 0.16% below tier average
- - Efficiency Ratio 2.95% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.4B
+7.9% YoY
+3.9% QoQ
|
+$593.3M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
76% |
| Total Loans ? |
$1.7B
+6.9% YoY
+1.5% QoQ
|
-$254.0M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$3.0B
+8.8% YoY
+4.2% QoQ
|
+$684.0M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
78% |
| Return on Assets ? |
1.38%
-63.2% YoY
-28.6% QoQ
|
+0.02% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
3.65%
+3.7% YoY
-0.9% QoQ
|
-0.16% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
64.01%
-8.8% YoY
-3.7% QoQ
|
+2.95% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
0.70%
+46.9% YoY
+35.3% QoQ
|
-0.19% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
56.51%
-1.7% YoY
-2.6% QoQ
|
-27.69% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 5.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.22%
-3.6% YoY
-2.2% QoQ
|
+0.93% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.38%
+46.7% YoY
+26.3% QoQ
|
-0.29% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
19.90%
-6.7% YoY
+0.8% QoQ
|
+4.74% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 7.8% in tier |
| Non-Interest Income / Assets ? |
0.27%
-5.2% YoY
-76.1% QoQ
|
+0.02% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
84% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.