# LONE STAR CAPITAL BANK NA
SAN ANTONIO, TX · FDIC certificate 35015 · asset band $300M-1B · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $491.9M | |
| Deposits | $429.4M | |
| Loans and leases | $285.7M | |
| Total equity | $45.6M | |
| Loans / deposits | 65.74% (p23 of band) | 80.20% |
| Liquid assets / assets | 35.88% (p73 of band) | |
| Uninsured deposits / deposits | 24.18% (p46 of band) | 25.15% |
| Brokered deposits | 3.74% | |
| Wholesale funding | 5.78% (p58 of band) | |
| FHLB advances / assets | 2.03% | |
| Tier 1 leverage | 10.13% (p44 of band) | 10.44% |
| Unrealized securities loss / equity | -37.52% (p17 of band) | -13.25% |
| AOCI / equity | 3.64% (p85 of band) | |
| ROA (annualized) | 0.25% (p10 of band) | 1.02% |
| Net interest margin | 2.77% (p14 of band) | 3.54% |
| Efficiency ratio | 89.39% (p91 of band) | |
| Noncurrent loans | 0.70% (p68 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p36 of band) | |
| Reserve coverage of noncurrent | 169.20% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 129.59% (p93 of band) | |
| Auto loans | $643,000 (0.23% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.0% | |
| Employees | 66 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | wholesale funding >15% |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 2 | construction >100% equity | deposits shrinking, assets shrinking |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-09 | 1 |  |  |
| 2015-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | construction >100% equity |
| 2018-09 | 1 | assets shrinking |  |
| 2018-12 | 0 |  | assets shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | construction >100% equity |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | capital falling, reserve under noncurrent |  |
| 2020-12 | 3 | expense ratio p90 | reserve under noncurrent |
| 2021-03 | 2 |  | expense ratio p90 |
| 2021-06 | 1 | expense ratio p90 | construction >100% equity, capital falling |
| 2021-09 | 2 | reserve under noncurrent |  |
| 2021-12 | 1 |  | reserve under noncurrent |
| 2022-03 | 1 | construction >100% equity | expense ratio p90 |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | brokered >10% | AOCI drag >20% of equity |
| 2023-06 | 3 | expense ratio p90 | brokered >10% |
| 2023-09 | 3 |  |  |
| 2023-12 | 5 | capital falling, uninsured deposits leaving |  |
| 2024-03 | 6 | NIM <2.5% |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 3 |  | capital falling, uninsured deposits leaving, NIM <2.5% |
| 2025-03 | 3 |  |  |

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

- 2025-03-11 [Bank Mergers Reach $985.5MM in Early 2025, Seacoast Among Key Players - MonitorDaily](https://news.google.com/rss/articles/CBMingFBVV95cUxNVVlfM255UGdyWWRaUGt6V0dqMEd6LVA4VU5XcjNIMXdJbEp0cnZzUEVYOFVrRzI1S3h1eEFQLVhVS0FRU296YlkwZnpfYTRpSDczMFUyZWdkeVh0dl9PZGo2dFF0NElnSW9aRDQtWFBUUlM3eEFHLVNUQUlZQ2V2Z3dlaFJiZDhZc1VjUnNTQXVTX2x0X285aV9ObEg1dw?oc=5) · MonitorDaily
- 2025-03-07 [Bank M&A 2025 Deal Tracker: Seacoast strikes its 5th-largest deal since 2014 - S&P Global](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQd1FzZXY5NzhaeVhkN295dUozckJXSnkzaEFHNkh4V0gtbS1peFgxZlBsdkhyVF9Qem5nR3lETFd4aE9QMXVtQVBBODlwQXg5TGt4Ql9xajRveUhkakRMYl94TGZZVVlDX2x4ZzIyek9MT2EwRmhfX1o4eFVzQmVKeHlHUFo4WEtZb1pCVDdtb0Z4QktWNGlKQW5fVFdLekdQeHd2U014bmtSOVNSbHIweXJoMjZ3SXVCRUhrR2RweklOdnN0eW9xU2NTWHNTVS0yaGZ4OGZUekp3NGZGa3Y5dEc0ZGdaZkhLVDRMcXlxVjhlZw?oc=5) · S&amp;P Global
- 2024-05-15 [Bank of America branches closing soon in Texas - Diario AS](https://news.google.com/rss/articles/CBMihgFBVV95cUxQME5JSkcxRWhrbVI5a2h2VTBYVm0ydFQyVmM1N012MzI1bXhnYkpJZGdVQUtMN1ptUGRVa1dCWnVFQU9rUUZ0RWpzSkpMYkFOX1c2N25rM2xrbFo3MXVIUDVyeVlISU92a0ttbUFfb0VHcVlwdG1sVFp5THAwZlA5WGhZbElUQdIBmgFBVV95cUxPZ2E5SU54elNpYUZ6OGxXbnB3bG8yWkVFQTJhWDRGWnQ4cGhGZHJDVS13UE9zZzYtaW14UTdYckUxUXlFcmtDZE52b040aG82WVFOc2tUdVU2cXREMVRsUGVzcWVkYldtazV3RjdRTjg4QWlteGdZaFJOdjczVnVuYTNYRWNlY1ZiOVR3SExCLVVCRlV0WXI5T2pB?oc=5) · Diario AS

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35015 (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/7.json (key "35015", 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.

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