BlastPoint

BlastPoint's Banking Scorecard

Lone Star National Bank

$1B-$10B Specialty: Commercial TX FDIC cert 24347

Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution

Pharr, TX

36 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +0.7% year over year ($2.9B on the books).
  • Delinquency rate 1.07%.
  • Return on assets 1.44%.
  • Efficiency ratio 63.12% vs a 59.73% peer average.
  • Loan-to-deposit ratio 60.70% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

Lone Star National Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Loan-to-Deposit Ratio 24.34% below tier average
  • + ROA 0.05% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 5.9% in tier
  • - Credit Risk Growth: Bottom 43.3% in tier
  • - Net Interest Margin 0.14% below tier average
  • - Efficiency Ratio 3.39% above tier average
Get updates when Lone Star National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $3.3B
+2.2% YoY -3.7% QoQ
+$490.1M $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $1.8B
+4.0% YoY +2.3% QoQ
-$212.3M $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
61%
Total Deposits ? $2.9B
+0.7% YoY -4.7% QoQ
+$565.9M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
76%
Return on Assets ? 1.44%
-42.4% YoY +4.2% QoQ
+0.05% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
66%
Net Interest Margin ? 3.73%
+3.6% YoY +2.0% QoQ
-0.14% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
52%
Efficiency Ratio ? 63.12%
-8.0% YoY -1.4% QoQ
+3.39% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
37%
Delinquency Rate ? 1.07%
+83.7% YoY +52.2% QoQ
+0.20% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
26%
Loan-to-Deposit Ratio ? 60.70%
+3.3% YoY +7.4% QoQ
-24.34% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 7.6% in tier
Non-Interest-Bearing Deposit Share ? 22.79%
-4.5% YoY +2.6% QoQ
+1.51% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
63%
Nonperforming Asset Ratio ? 0.58%
+77.5% YoY +50.3% QoQ
-0.10% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
38%
Tier 1 Capital Ratio ? 20.01%
+3.6% YoY +0.5% QoQ
+5.17% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 7.3% in tier
Non-Interest Income / Assets ? 0.57%
+0.6% YoY +108.8% QoQ
+0.04% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
85%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 22.8%
-1.1pp YoY
+0.6pp QoQ
 +1.4pp 21.4% 29.2% 22.2% 63%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 6.9%
-2.4pp YoY
-0.1pp QoQ
 -7.1pp 14.0% 14.8% 12.5% 27%
CRE 72.5%
+2.3pp YoY
+0.3pp QoQ
 +22.5pp 50.0% 48.4% 41.4% 91%
1-4 Family 15.8%
+0.4pp YoY
-0.2pp QoQ
 -10.6pp 26.4% 25.8% 31.3% 33%
Consumer 1.1%
-0.1pp YoY
0.0pp QoQ
 -3.6pp 4.7% 4.7% 5.0% 49%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 20.0%
+0.7pp YoY
+0.1pp QoQ
 +4.4pp 15.6% 22.7% 19.7% 92%
Leverage Ratio 12.9%
+1.0pp YoY
+0.3pp QoQ
 +1.6pp 11.3% 12.6% 12.6% 84%
Total Capital Ratio 21.1%
+0.7pp YoY
+0.1pp QoQ
 +4.4pp 16.7% 23.8% 20.8% 92%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 661
-48 (-6.8%) YoY
-3 (-0.5%) QoQ
 +347 313 186 482 92%
Assets per Employee ($) $5.0M
+9.6% YoY
-3.2% QoQ
 -$5.5M $10.5M $10.1M $8.8M 3%
Branch Count 36
0 YoY
0 QoQ
 +16 20 12 18 87%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.3% 0.4% 8%
Nonaccrual 1.1%
+0.5pp YoY
+0.4pp QoQ
 +0.2pp 0.8% 1.0% 1.0% 76%
Allowance Coverage 1.18x
-46.8% YoY
-36.6% QoQ
 -17.53x 18.71x 18.82x 20.23x 30%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 38%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 12.9%
-11.6pp YoY
+0.2pp QoQ
 +0.3pp 12.6% 13.2% 11.6% 56%
Cost of Funds (YTD) 1.4%
-0.3pp YoY
0.0pp QoQ
 -0.5pp 1.9% 1.6% 1.7% 19%
Net Income ($, YTD) $24.0M
-39.7% YoY
— QoQ
 +$4.7M $19.2M $15.9M $40.4M 76%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline
#6 of 85 • Bottom 5.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.44%
(Tier: 1.39%, National: 1.30%)
better than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#175 of 402 • Bottom 43.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

66
Tier 1 Capital Ratio
capital
Value: 20.01%
Peer Median: 14.84%
#66 of 885 Top 7.3% in $1B-$10B
68
Loan-to-Deposit Ratio
liquidity
Value: 60.70%
Peer Median: 85.04%
#68 of 885 Top 7.6% in $1B-$10B
137
Non-Interest Income / Assets
revenue_mix
Value: 0.57%
Peer Median: 0.53%
#137 of 885 Top 15.4% in $1B-$10B
212
Total Deposits
size
Value: $2.88B
Peer Median: $2.32B
#212 of 885 Top 23.8% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026