# LONE STAR BANK
HOUSTON, TX · FDIC certificate 58324 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $202.3M | |
| Deposits | $176.0M | |
| Loans and leases | $176.2M | |
| Total equity | $25.4M | |
| Loans / deposits | 98.93% (p91 of band) | 73.59% |
| Liquid assets / assets | 12.61% (p7 of band) | |
| Uninsured deposits / deposits | 22.44% (p60 of band) | 19.81% |
| Brokered deposits | 3.72% | |
| Wholesale funding | 3.72% (p67 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.65% (p60 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.19% (p51 of band) | 1.17% |
| Net interest margin | 4.35% (p70 of band) | 3.93% |
| Efficiency ratio | 61.18% (p38 of band) | |
| Noncurrent loans | 0.29% (p47 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 397.28% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 64.01% (p86 of band) | |
| Auto loans | $6,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 17.2% | |
| Employees | 29 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 | noncurrent p90 |  |
| 2011-09 | 3 |  | construction >100% equity, noncurrent p90 |
| 2011-12 | 4 | construction >100% equity |  |
| 2012-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | construction >100% equity |
| 2012-06 | 6 |  |  |
| 2012-09 | 5 |  | uninsured deposits leaving |
| 2012-12 | 4 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2013-03 | 5 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2013-06 | 5 |  |  |
| 2013-09 | 5 | charge-offs p90 | reserve under noncurrent |
| 2013-12 | 3 |  | deposits shrinking, assets shrinking |
| 2014-03 | 3 | deposits shrinking, assets shrinking | losing money, charge-offs p90 |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking |
| 2014-09 | 3 | deposits shrinking, assets shrinking |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 0 |  | expense ratio p90, deposits shrinking, assets shrinking |
| 2015-06 | 2 | capital falling, assets shrinking |  |
| 2015-09 | 0 |  | capital falling, assets shrinking |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 3 | capital falling, charge-offs p90, construction >100% equity | uninsured deposits leaving |
| 2016-06 | 4 | uninsured deposits leaving |  |
| 2016-09 | 1 |  | capital falling, charge-offs p90, uninsured deposits leaving |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | construction >100% equity |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 2 | uninsured deposits leaving |  |
| 2020-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2020-12 | 1 | uninsured deposits leaving |  |
| 2021-03 | 0 |  | uninsured deposits leaving |
| 2021-06 | 2 | deposits shrinking, assets shrinking |  |
| 2021-09 | 0 |  | deposits shrinking, assets shrinking |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | loans exceed deposits |  |
| 2023-06 | 0 |  | loans exceed deposits |
| 2023-09 | 1 | uninsured deposits leaving |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 1 | loans exceed deposits |  |
| 2024-09 | 0 |  | loans exceed deposits |
| 2024-12 | 2 | loans exceed deposits, capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 0 |  | loans exceed deposits, capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-03-09 [Journey Financial Group, Inc. Announces Agreement to Acquire Lone Star Bank - Business Wire](https://news.google.com/rss/articles/CBMiywFBVV95cUxNcm9jVm5pV0h1S3lFcVFCR0xyWU9hUHNHVnYteVJEc2JNeUthQVRmeUVIOUIwRWhSYVFqREp3TUlzWEwzNWdaaW0xQ2N3YkM5QTNfQ1hScTdlQTloVmxWbDJTcGY2SW5aelltWmdpTU9OQ2Z5WHRvY0dEQ2dNb1VhN2lVaUVKN1I0TEtWejhxbmVqYUJpY0hQVWJDZ3R1NzhvVEYyNDZmRS1rZHphNTNGSHcyZ041UkxJYmhPTFgtaUJJMGJlMzN6Skt3RQ?oc=5) · Business Wire
- 2026-03-10 [Journey Financial Group To Acquire Lone Star Bank - Pulse 2.0](https://news.google.com/rss/articles/CBMieEFVX3lxTFB0WnlUbDdITzZ1YUVJUUYtRmxEWllUeDMzU0RJYjVXR1lpMGMxSXNpSkViOUpDM0dkS2JhSjNPajc3bHBqNFp0eGJLRXh1c3BHbkhuT0NSMk0zc01vMFZwZHJaLVpHeUlaakpRNmg5aXItOU9rZnBWT9IBfkFVX3lxTE1MVjhHNnd1ZWFRTHY3WE5ENUhuM05GMUd6eGN6OFpSbnMzblFLVmVPaE1uRUkzR3VfemR5Q3UtMFh5WGJCZktZZXJMVHpQYXVqOU8wNGZKeDhpVjh5N25idk0wNVdEUVdGTk9VQWZWczUzZFBPZkxxMFJBV1BvQQ?oc=5) · Pulse 2.0
- 2026-03-09 [Former Spirit of Texas CEO Dean Bass' new group to buy Houston-based Lone Star Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPTUQ2a0NNSmZrblFVS1RlOW96Q3ZsVGdqMTlFRk0tcVRRUVNTUmxqT21kY1FUY2V1ZFBfWHBQRGktOW9tRjNVWFpZTTUtTDR6eHlTMk5Bd05FOThpRElMSjVBRFhtWHM5UEJWZEczeGRwWk5lZmszSG1HcmV2dFhwWFUzZW1XM1NSZW9neHBiN1NZdU1uck8zYUtyeWpQSGJWS3NIbHp6emk?oc=5) · The Business Journals
- 2026-03-10 [A Texas banking entrepreneur makes deal to start third act - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxQSHJfTFlfa1NuaVBaNEpVYVhnLXFMdVF6cDZXMENvVWQ0cTFmX3U5WTNnTUZ0WVNidUhxeUdyQTVjZE1LSVVWNDJ6WFFfUFlFNzNjN3Z2aG0xaGV6WG9OQlRwQzRtOTcwSTNtcE03c3lrdjhYbE10M2RrQlRXYkFIdVZvdXZFNUFFSnJ0dTU3a2F2b2lkdnVFVDFR?oc=5) · American Banker
- 2026-03-10 [Bank Builder Dean Bass Returns with Lone Star Bank Acquisition - BriefGlance](https://news.google.com/rss/articles/CBMimwFBVV95cUxQVDljZVRPMTk4N3h3NnpfRldPbEtFMndCZC1jODRCZE15dEJUWGw2NFZkMVZHa1AyV3JDR3V2NjVCbnhnbnp0ZmJGNV9wNDFyTzlTUTZlU2lXSlo5Vlp4ZkxPVHVJdWZhTkk1ZGdqUVZJS1N6VFlZUUh6a01LNTkzVzJHbUVaOVhqTXM0azZMSm1TUmR5OGtMZkJlYw?oc=5) · BriefGlance
- 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
- 2024-03-21 [Houston-based bank receives approval to acquisition Lubbock-based Lone Star State Banks - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPalVnMkw2S0h5alZKZlFRWmhVQWhtTlBsUEM4YUV0b1ZueUhTVVJxbTRiX3ZRN0pBd1ZTLURod1RZa0RhM2VPbElkZ3ZVOUMxVE9RcGN4eW5fUjBJeXdDWFRfVnpCSW16Ynlnc0VlS05FX0gyLXMxSjZHaEFTcGlHRDA3dzkyczlXenhBZlIwbTJqLUhuUW5reTF4c2hQQVdYNk1JNkc4WUVSZElfT01CZVMwa0k2OXcxUFdBNEphd0hHQzJsbmZGcVl3R1BJMzNibW05OXFmUFFZRDQ?oc=5) · Lubbock Avalanche-Journal
- 2019-10-31 [Police release suspect’s name in Lone Star bank robbery - KLTV.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNczdiSUZQUExIY3RjZmpabF9GSjQ4WXdXY1VMdlZyTWVqWFVSYTFHV1oxZWFWOFhSVjNseEY1YXQwazhfS0ZJTmp4bEVCR0VyeGZYUVZoTkNKZEw0TG5RM3BXcDdwVEFodUozU2dxVzUxWEU2M28tMDVLa3NxbGhXVllyaWhsRVdnZVg3UtIBoAFBVV95cUxQM0VpLVp6bHpVTThyckFFSEVYRHBMNHFYc0tOMFF0dHdsdk1HdjVPaUF5QkI2YURWYWpmQWRpa2MtQllwM2pfQURJd1dVbjZIVndFQzlXajBRMXdiY2RBX25hYkN3d0ZFb2tkaVZ4eHZpSGp1WjF6Z3lMc0pLQXRONjJrcGRudkEtNUhMNU5ZWE5wZUNJbFBnZURYMnZwR2hI?oc=5) · KLTV.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58324 (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/20.json (key "58324", 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