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Lone Star Bank

$100M-$1B Specialty: Commercial TX FDIC cert 58324

Houston, TX

4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +17.2% year over year ($176.0M on the books).
  • Delinquency rate 0.30%.
  • Return on assets 1.19%.
  • Efficiency ratio 61.18% vs a 64.48% peer average.
  • Loan-to-deposit ratio 98.93% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Lone Star Bank has 3 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

  • + Net Interest Margin 0.37% above tier average
  • + Efficiency Ratio 3.29% below tier average
  • + Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 32.9% in tier
  • - NIB Deposit Bleed: Bottom 63.6% in tier
  • - Non-Interest Income / Assets 0.52% below tier average
  • - ROA 0.14% below tier average
Get updates when Lone Star 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 ? $202.3M
+16.7% YoY +1.0% QoQ
-$184.3M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
27%
Total Loans ? $174.1M
+15.2% YoY +3.3% QoQ
-$84.2M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
42%
Total Deposits ? $176.0M
+17.2% YoY +0.6% QoQ
-$150.7M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
29%
Return on Assets ? 1.19%
+36.3% YoY -7.2% QoQ
-0.14% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
46%
Net Interest Margin ? 4.35%
+4.2% YoY -0.5% QoQ
+0.37% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
73%
Efficiency Ratio ? 61.18%
-11.8% YoY +2.0% QoQ
-3.29% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
54%
Delinquency Rate ? 0.30%
+223.5% YoY
-0.62% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
58%
Loan-to-Deposit Ratio ? 98.93%
-1.7% YoY +2.7% QoQ
+20.97% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Bottom 11.5% in tier
Non-Interest-Bearing Deposit Share ? 10.15%
-16.5% YoY +22.4% QoQ
-11.88% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Bottom 10.9% in tier
Nonperforming Asset Ratio ? 0.25%
+219.1% YoY
-0.41% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
55%
Tier 1 Capital Ratio ? 12.65%
-6.0% YoY -1.8% QoQ
-3.25% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
43%
Non-Interest Income / Assets ? 0.04%
+2.6% YoY +35.7% QoQ
-0.52% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Bottom 4.4% in tier

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 10.2%
-2.0pp YoY
+1.9pp QoQ
 -12.0pp 22.1% 29.2% 22.2% 10%
Brokered Deposits 4.3%
+1.6pp YoY
-0.8pp QoQ
 -3.6pp 7.9% 8.0% 8.5% 46%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 7.0%
+0.7pp YoY
+0.8pp QoQ
 -4.6pp 11.6% 14.8% 12.5% 32%
CRE 74.2%
+3.9pp YoY
-2.1pp QoQ
 +34.6pp 39.5% 48.4% 41.4% 95%
1-4 Family 19.3%
-5.2pp YoY
+0.9pp QoQ
 -13.4pp 32.6% 25.8% 31.3% 28%
Consumer 0.1%
+0.1pp YoY
+0.1pp QoQ
 -4.0pp 4.1% 4.7% 5.0% 4%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 12.7%
-0.8pp YoY
-0.2pp QoQ
 +0.5pp 12.2% 12.6% 12.6% 72%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 29
+2 (+7.4%) YoY
+2 (+7.4%) QoQ
 -30 58 186 482 25%
Assets per Employee ($) $7.0M
+8.7% YoY
-5.9% QoQ
 -$543K $7.5M $10.1M $8.8M 52%
Branch Count 4
0 YoY
0 QoQ
 -1 4 12 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.3%
+0.2pp YoY
 -0.6pp 0.9% 1.0% 1.0% 38%
Allowance Coverage 3.97x
-69.4% YoY
 -20.18x 24.15x 18.82x 20.23x 65%
Net Charge-off Rate (YTD) -0.0% -0.1pp 0.1% 0.1% 0.2% 26%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 9.6%
+3.0pp YoY
-0.8pp QoQ
 -2.6pp 12.2% 13.2% 11.6% 34%
Cost of Funds (YTD) 2.6%
-0.2pp YoY
+0.1pp QoQ
 +0.9pp 1.7% 1.6% 1.7% 93%
Net Income ($, YTD) $1.2M
+59.2% YoY
— QoQ
 -$1.4M $2.6M $15.9M $40.4M 32%

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)

Credit Quality Pressure

risk
#414 of 1256 • Bottom 32.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.30%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

NIB Deposit Bleed

decline
#104 of 162 • Bottom 63.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 10.15%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2527
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2527 of 2643 Bottom 4.4% in $100M-$1B
2355
Non-Interest-Bearing Deposit Share
funding
Value: 10.15%
Peer Median: 22.03%
#2355 of 2643 Bottom 10.9% in $100M-$1B
2340
Loan-to-Deposit Ratio
liquidity
Value: 98.93%
Peer Median: 77.95%
#2340 of 2643 Bottom 11.5% in $100M-$1B
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