BlastPoint's Banking Scorecard

Lone Star Bank

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

Houston, TX

4 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Lone Star Bank has 4 strengths but faces 2 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.44% above tier average
+ Efficiency Ratio 5.30% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 13.73% below tier average
- Non-Interest Income / Assets 0.25% below tier average

Get updates when Lone Star Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$200.3M +19.5% YoY +4.6% QoQ	-$185.8M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	27%
Total Loans ?	$168.5M +16.3% YoY +2.5% QoQ	-$87.2M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	41%
Total Deposits ?	$174.9M +21.5% YoY +4.8% QoQ	-$153.1M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	28%
Return on Assets ?	1.28% +80.6% YoY +17.2% QoQ	+0.01%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	54%
Net Interest Margin ?	4.37% +9.6% YoY +1.1% QoQ	+0.44%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	59.99% -19.3% YoY -7.4% QoQ	-5.30%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	96.36% -4.2% YoY -2.2% QoQ	+19.72%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Bottom 13.3% in tier
Non-Interest-Bearing Deposit Share ?	8.29% -17.7% YoY -24.2% QoQ	-13.73%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Bottom 7.6% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.85% -24.4% YoY +0.8% QoQ	-2.98%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.03% +29.7% YoY -47.1% QoQ	-0.25%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 8.4% in tier

Get Full Access to Lone Star Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

620

Net Interest Margin

profitability

Value: 4.37%

Peer Median: 3.93%

#620 of 2664 Top 23.2% in $100M-$1B

Top Weaknesses (3 metrics)

2462

Non-Interest-Bearing Deposit Share

funding

Value: 8.29%

Peer Median: 22.02%

#2462 of 2664 Bottom 7.6% in $100M-$1B

2440

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2440 of 2664 Bottom 8.4% in $100M-$1B

2310

Loan-to-Deposit Ratio

liquidity

Value: 96.36%

Peer Median: 76.64%

#2310 of 2664 Bottom 13.3% in $100M-$1B