# LONE STAR STATE BANK
LONE STAR, TX · FDIC certificate 19090 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $39.4M | |
| Deposits | $33.1M | |
| Loans and leases | $23.5M | |
| Total equity | $3.3M | |
| Loans / deposits | 69.69% (p56 of band) | 66.54% |
| Liquid assets / assets | 39.72% (p55 of band) | |
| Uninsured deposits / deposits | 23.71% (p88 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.61% (p80 of band) | |
| FHLB advances / assets | 7.61% | |
| Tier 1 leverage | 8.19% (p15 of band) | 10.04% |
| Unrealized securities loss / equity | 0.00% (p11 of band) | 2.48% |
| AOCI / equity | 0.00% (p79 of band) | |
| ROA (annualized) | 1.76% (p91 of band) | 0.72% |
| Net interest margin | 2.91% (p18 of band) | 3.55% |
| Efficiency ratio | 43.67% (p3 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.19% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 68% | |
| Construction % of loans | 22.87% (p61 of band) | |
| Auto loans | $872,000 (3.71% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.7% | |
| Employees | 6 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 2 | wholesale funding >15% |  |
| 2012-03 | 2 | deposits shrinking | capital falling |
| 2012-06 | 0 |  | wholesale funding >15%, deposits shrinking |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | wholesale funding >15%, capital falling |  |
| 2013-03 | 0 |  | wholesale funding >15%, capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-04-01 [PROSPERITY BANCSHARES, INC.® COMPLETES MERGER WITH LONE STAR STATE BANCSHARES, INC. - PR Newswire](https://news.google.com/rss/articles/CBMizwFBVV95cUxQaW5LWFg5S2I3MEdVdWFvNC1kOG13cjE1cHN6TlFCXzJRT0xFQUM1dUEyalNjWjB1LUJmS1J1N21WdVBqWGpFM3VkQ2tCVzRraFFmSmJOQ0k3dEhYUldpTnIxLTFSMk50QU5nY1dFNnNkM3JXRklqTnEzcHRKRU9zbUdhd2Z2QS1JSDZETS15Q182X3hpcGVDQkVFeFlIbWozdG9jNktkTHRIejVBbmZmLWt5RWpQbnBtcWFLVWVoMHQyZWZ5akR4YU5iWlpEYWM?oc=5) · PR Newswire
- 2022-10-12 [Prosperity Bank to acquire two Texas community banks for $570M - Banking Dive](https://news.google.com/rss/articles/CBMirgFBVV95cUxOU2tZd0FqTFFFSkhZa2RJWU1sNkp4MXBDckFOMGFYSzJYT1ZDaXhXZEVPZUtJaFpXQ1lZRnZveVhUYjc0M1ZtMF9wVGRWSUtmQ0RhcTJhM0FRcWtjNm5venU3eUtPVjR2Y3BxX1ZoTGpIWU1UYnNtOXFMMzhFbHdpQlNJS2RVMWhLTmo4V3ZhWV9zVWQ0RWVLWWNjZUNvaGI3ejl0dFl3MVNtMW5vanc?oc=5) · Banking Dive
- 2019-12-10 [Texas Capital announces merger with another Lone Star State bank - Auto Remarketing](https://news.google.com/rss/articles/CBMingFBVV95cUxQYmlNM0Z2bk82d0FOaE00Nm9leXl0d1Etd1VyVTFfMEdHdkJFSkN6Mld6U3FsUmpRMENIenNLY2N6SU9sRzB0U3hpSzZuTDdqOHJfS1VrOUt1T3FBaXBOSlhyYng4Z1hsdjJDWUxDMXhRbWdxZm1SYUE2YXdBcklOdDVNRGxUOGtseVZjaWwzMXZMRmQ1RXc2eTJncjQxQQ?oc=5) · Auto Remarketing
- 2022-10-11 [Prosperity Bancshares to acquire First Bancshares of Texas, Lone Star State Bancshares - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOZ3hlWHF3VVhVcExUaVdYUnZSZFdiZGVYTTZLWGFxQnB0VUwwSlJkMXNGVWJyeFFBLUhkNnVtcWJBX2lCc0dvNVJvS3NFV0tuQ28zRE1SOElXOFRSSWdHS09VYmFrWURsTHJTWDZFMkY5QXk3UXB3YnVWZVdEUTNCYzdac0U1b3NVQzV3bUNzV0NTOVZuU0VhaTNYYy1BZlZrZWRONFc3Yw?oc=5) · The Business Journals
- 2022-10-11 [PROSPERITY BANCSHARES, INC.® TO ACQUIRE LONE STAR STATE BANCSHARES, INC. IN LUBBOCK, TEXAS - PR Newswire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNMS1jVnVYU1NlN2RPamptMEVaNHZTXzVsM2VoT0hGOERuU0VfdU45d2Zma3kyLUFYODdkY3FPNzFtVzdQSXZGckp6QW56QUd0XzcxemJyT2JtRUhYTUZtNzVtbmJsUzg1ZEpja3BTQzNfc0NzczRUd29UMV9pS3Y4cjlSYXZVenhJNjdpSnZuNDRpa3JLdFIxQ0Y0UG5UNGl5YkNwSnV5SGtOaFlFcTJUbGYtaDRGVUhjemtzUnByYXByUktNblZVUnFjeGZVSGVjcTRvRXQ2WQ?oc=5) · PR Newswire
- 2019-10-31 [Woman accused of robbing Lone Star bank still jailed in Dallas - KLTV.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNT3lFRWpjMkNvZDRZR0lWNDU1RTNmTkJTbWNjU2pXZlYtZTFsUEZwUnhhXzc2RmNzcnhqRTR4c2FRbHFGRFJBYTVydE5zN3pxLTJwUVVXakVXU3NjZmZyZV9KMl84LVJrT29sdUlDQ0hXOThoaE5qUU1FUVB0bkZJcGhXNUpvS1RqQkp6bWdMR3dCOWPSAacBQVVfeXFMTTc3cEd5VGwtR3Bpd2Mzd204VmpuZXV5UnFCYkNQM2FUUEhiYWRKazBVVGJGWjA0dG1nWndNRjdZWlhFOXYzdVByOFFjTVpRRmx1XzJIWlJkVmNhY1liSGZ5T0Z3MVJfZVpWeHJIR3B0REI1RDZDRnAtLUV3d0ZGSnR0UnNRTTEwV0huem0zV2VUbmVwZWFEN050dy1QVUZtdldGQThDSTQ?oc=5) · KLTV.com
- 2025-07-18 [Texas, Wisconsin banks agree to buy in-state peers - Banking Dive](https://news.google.com/rss/articles/CBMiygFBVV95cUxOSWFLaFN5R2sxU0Uzdm9aY1ZpeTZZNHlVLWx0Y3pPTGxFZjdYajBERk41MVdJbnFkOXFKSGppUmprV0I4M1BUaVVwTncwOVJqbUFHU1hzTXU5b2ZrNTNWcWFER2xDOTNQa1c3UEYwUnlVMDI2VEVSNTFyNEd0RjNEc3hxeFZuOW13QmZzMDFUb21ZQl9nQk1OcHY0dkhKN2ttUGlUVm9saDRrQ2trR0NVeTZUZWxpNWN4MTdzcF9vSUFVRmxBNGs2TFln?oc=5) · Banking Dive
- 2024-03-20 [Prosperity Bank’s West Texas acquisition receives regulatory approval after months of delays - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQWHpCNENJMUxESzJ6el9BVTZQMkJmbHBaU3dtYno5RURORWdEV0ozUGZhSV82MW1CbjkzTXhIYlEwd2FnSVJLT3F2TEpRQzhmaWJwMU05VnI5ZHRzVGV4MUJySU82Z25wMlZZMHVWakt2NXJsLWlKOXVHcjBaYnFyemNNQjlEZVMxeHhBak13YXJhTkVTWWdfYjdGbTFzRGtwOWstQmZiRQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19090 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "19090", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide