# LONE STAR NATIONAL BANK
PHARR, TX · FDIC certificate 24347 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $3.28B | |
| Deposits | $2.88B | |
| Loans and leases | $1.77B | |
| Total equity | $383.7M | |
| Loans / deposits | 60.70% (p8 of band) | 87.10% |
| Liquid assets / assets | 41.11% (p90 of band) | |
| Uninsured deposits / deposits | 58.85% (p96 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.87% (p83 of band) | 10.50% |
| Unrealized securities loss / equity | -10.65% (p38 of band) | -7.75% |
| AOCI / equity | -0.51% (p35 of band) | |
| ROA (annualized) | 1.44% (p66 of band) | 1.26% |
| Net interest margin | 3.73% (p52 of band) | 3.70% |
| Efficiency ratio | 63.12% (p63 of band) | |
| Noncurrent loans | 1.06% (p75 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p38 of band) | |
| Reserve coverage of noncurrent | 118.10% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 69.10% (p71 of band) | |
| Auto loans | $4.4M (0.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.7% | |
| Employees | 661 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | deposits shrinking, assets shrinking |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 1 |  | deposits shrinking, assets shrinking |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | noncurrent p90 |  |
| 2015-03 | 3 | expense ratio p90 |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | uninsured deposits >50% |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 5 | capital falling |  |
| 2016-09 | 4 |  | capital falling |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | deposits shrinking |  |
| 2017-06 | 4 |  | deposits shrinking |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 |  | expense ratio p90 |
| 2018-06 | 4 | assets shrinking |  |
| 2018-09 | 3 |  | assets shrinking |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | capital falling |  |
| 2019-06 | 3 |  | capital falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | capital falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity |  |
| 2022-06 | 3 |  | reserve under noncurrent |
| 2022-09 | 4 | securities losses >30% of equity |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | reserve under noncurrent, deposits shrinking | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 6 | securities losses >30% of equity, assets shrinking |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 2 |  | noncurrent p90, reserve under noncurrent, securities losses >30% of equity, assets shrinking |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-05-25 [Lone Star National Bank Supports Adult High School Graduation With $20,000 Donation - Texas Border Business](https://news.google.com/rss/articles/CBMitAFBVV95cUxNdXYycmFaOFFMcktURE9PSTNZdmVyc2NWXzktYWx2M0dVS09PbmZfRjJPYWRQbDQ0LVJZbXVmVDRwWllPTnQxUG1HQ18yX2RtSEU3N3NUQzVRanItQ2hDUDVqVkdmRWkyNmlycEk2ME5fZ2dpajJkNlZXZnZJV0lVSlRIYlFjN1VROFMxZ0FlNUxVSnJXUTFHbnVIM1daQVFuemd3ODZZLWZWSEZGQ3lnX1pjSWI?oc=5) · Texas Border Business
- 2026-08-04 [Man confesses to Brownsville Lone Star National Bank robbery after $15k recovered, police say - KRGV](https://news.google.com/rss/articles/CBMiugFBVV95cUxNdW52ZEZNa1RlT1pzM1FLNW9FYUczbHdlN2lHU3p5SWpodjFnTkxNNkIzY3kzQUMtVzN4ZElNcDNvdHMxX3ZrOWRCUnh4bkxHeG5MM2RGM2VucHpzenFIUlhFeWVjR1I5b3M2cERKUHp6djl6dzBQdXdtOHFDSzVtdlZ2Y19PUE1IVVNnd0RGT0JQZk9sUDdaV05vbkZ5QnZ3dGNBYXZleU9KU0pydVhqN1MzUnFUYWNWNHc?oc=5) · KRGV
- 2026-02-27 [The City of Brownsville, Texas, thanks Lone Star National Bank for its support in covering the live performance of the Charro Days Grand International Parade. The post, shared by Viva Brownsville, announces that the full parade coverage will be streamed live - facebook.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPTzJyUjJPLU1ScEZSSE5sTFU1NENNNTBqeHA1ZUE0SERkM01RSFQ5eFRJOEZsckhyaGdpaldSeWo5cW8zdHJXZDFSbHZxakxPUUtIZ1AyQ09QLVVabWxLams0QWJGMlpyRXd5MV8xQmVMdDhEb3FsRjBqMjRnU0paMFUxZU83Zm1RQlJTR1hlVFJNdEtoOWdkMF9mZEh5emluVk1qSTAwZDJ3SGhNRGw5b2UtSkpQYnBLLWJMSWZhT2NqTGl1cnFGSnVEZFRoVFFkajhF?oc=5) · facebook.com
- 2026-08-04 [Man charged in connection with $15K Brownsville bank robbery - ValleyCentral.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNdXFQNV9uaC1GU3dFUW1rbENMR3doa3B2T3p1V1AwaWNBdXJTUURNWXZzUkUtMGFsSTM4MmFlM29YTl9Xam1NMVZaMlp5RGRQZjFqNHVJMEN3WDRIMmRKbUxlaGwtNTExd1YxSkZYdUl3UjdvRlVER3Rzc2JUWWVjU0h1aFd5ajdxbmlWMElTNUV1d1ZrRHhrRjJ2RHZKaW1pNmk2YjBWY1RTd9IBrwFBVV95cUxOcG1pdWpWeW1Ramo5am5sSElDRkZOMkRETFloUVNoamhYQmJ1TWw4N1pSM2l3SFFtenloSS1POVpxSk1sa2JKanBkZXZjUXZIRklEeXhkZ2I5YVBRQWhUNmRXMmRHcTl1UnZPanYySXd2cmY1enNWVFBSNjgxN25nSXZMSDhGZDVlOTZsT1EwZ0pLTnpIMEJ4Q3ZITWw2SzVtb2k4b0RxeW96MTZwekhB?oc=5) · ValleyCentral.com
- 2026-05-01 [Lone Star National Bank Seeks Public’s Help Identifying Five Suspects in Fraud Investigation - Texas Border Business](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPRU40T002Q25TUTVHNHlKMVVENl9pYmdQZjh6em1VZ0RDSEZCbzNiOV9jUXhnUFlyQ2Y4bzljWTlzNG0tb3hyUTBuLWRRREpSS21MVUdoc1J3bmx5SUFSUjVrSV9FNTJyajI4SUI2WVFGZzc2UEl6V2w2MGdnTWJubHpDeHJMMUV2dmpIcFo0eHBFX1RMOXpXMFIyMmJQRl8wOUhmb0N2akpwRUJhMlJ6MmJsUVRsSkJ6TnU2ZjNRNUVYUQ?oc=5) · Texas Border Business
- 2025-06-22 [Lone Star National Bank secures state funds to train 317 of its employees - Rio Grande Guardian](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPN3NNcnBqaXdYbHF5TC1lSGgxWmZlVm5JS25ZT3dLQThLVHBzV0RLY0pmQ1BPY2s1RDJjZk1vb1ZFOFNqa1dSNVJERTI1aGYxMkF1ZE82d2MwQ3BIV25iMnFxVGxpQlN5NV9OLWxXLS1JSzlGY0FFWFBlT0lVNk9BREwtaUJ0Nl9UampmUTE3Q3ZQV1VRbEVaUWJCbVdTMEFZVFRxZnJDNnRfbVRndndrSTE1VEx0ZTV0?oc=5) · Rio Grande Guardian
- 2026-08-18 [Edinburg EDC Leads Launch of Second Year of Bank On INT Internship Program - Texas Border Business](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPRFpjS0JaaHJha2JiNFN5dWE4aG9vbF9hNTNTcURWX25ubmpXOEtyX2FSOXA3blZBOUlVMW91ck5hWnJaWVNCTG9YUlpBbmYwQ3c1UUdXZU4wZkxhVURvYnQ0NERndmdtZXBoTldxMVpVMWhiZXBzcnMxNVZFQ0szeTJRbm5aSTZQUVJRcEZXMW9oRFZWRWhkUkh4WkRINXZ6RC1HRzZRUUNvd1U?oc=5) · Texas Border Business
- 2026-08-03 [FBI, Brownsville police investigating bank robbery - ValleyCentral.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxNQmk0eE5LenRfMktIbmhLSkIybDBIV1pLUUNHWnVCSGFLcm9WMkdtUkV3bE5fc095VnJwTzRtOG9OUnpTM3ZSTDVXeHBfRVhVRG0tQkV1cmExeGF5MmJEUU5ZR1J3eG1oaHFVbktXRHFQNllfYUdnZm9fbUZabTFILVMtU2Z0emRQMjZKaXNhT2ZJYWdkSmM4eHlwS2YwaEdtbTU5YWJfZEEzR0JyYnpGajdKb9IBuAFBVV95cUxNRVRSSGFHOGNFZUN2MHNwYVc2NEh1RVlmM29oc2RTWG02NklPT1IyQnM5Sk1tUEhtUDdBN09UY3FuMGtla0tvWWxqZUNTRWJ6WGFVYVgxMk0zd2tJYmVEaDB2U1FJVFdrV2dyZEsxZGxjcXZrWkNYcS1yYy1MNkJHNXB1TGo3ZE5yUklwLWFHTE1iUUJNbUloLS1xSnFHTW14eU1uQ1MxTHJ6SUFFaEVTbmFkdWxvZG9K?oc=5) · ValleyCentral.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24347 (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/27.json (key "24347", 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