BlastPoint's Banking Scorecard
Lone Star National Bank
Community
Specialty: Commercial
TX
FDIC cert 24347
Pharr, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Lone Star National Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 16% in Community
- + Revenue Diversifier: Top 31% in Community
- + Tier 1 Capital Ratio 9.50% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 21% in Community
- - Loan-to-Deposit Ratio 25.03% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+3.8% YoY
+2.7% QoQ
|
+$1.9B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$1.7B
+5.8% YoY
-0.1% QoQ
|
+$710.9M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$2.9B
+3.2% YoY
+2.4% QoQ
|
+$1.7B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.94%
+33.8% YoY
-7.8% QoQ
|
+0.77% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
3.69%
+1.3% YoY
+1.1% QoQ
|
+0.02% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
66.49%
-2.9% YoY
-2.3% QoQ
|
+3.86% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.52%
+11.8% YoY
-21.3% QoQ
|
-0.11% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
58.03%
+2.5% YoY
-2.5% QoQ
|
-25.03% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.72%
+1.0% YoY
-5.7% QoQ
|
+1.68% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.30%
+20.0% YoY
-23.9% QoQ
|
-0.19% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
19.74%
-2.1% YoY
+1.7% QoQ
|
+9.50% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
1.14%
+2.1% YoY
+32.9% QoQ
|
+0.40% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#59 of 371 · Top 16% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.94%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#115 of 371 · Top 31% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.14%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.94%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Tier 1 Capital Ratio
metric
Top 7%
in Community
Why this stands out
Current:
19.74%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Credit Risk Growth
risk
#137 of 642 · Bottom 21% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
58.03%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Total Deposits
Current: $2.9B · Tier avg: $1.2B
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
93
93th pctile
Tier 1 Capital Ratio
Current: 19.74% · Tier avg: 10.24%
90
90th pctile
Return on Assets
Current: 1.94% · Tier avg: 1.16%
89
89th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.74%
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.72% · Tier avg: 21.05%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
52
52th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.66%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
36
36th pctile
Efficiency Ratio
Current: 66.49% · Tier avg: 62.63%
7
7th pctile
Loan-to-Deposit Ratio
Current: 58.03% · Tier avg: 83.06%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 58.03% · Tier avg: 83.06%
36
36th pctile
Efficiency Ratio
Current: 66.49% · Tier avg: 62.63%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
52
52th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.66%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.72% · Tier avg: 21.05%
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
89
89th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.74%
90
90th pctile
Return on Assets
Current: 1.94% · Tier avg: 1.16%
93
93th pctile
Tier 1 Capital Ratio
Current: 19.74% · Tier avg: 10.24%
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
95
95th pctile
Total Deposits
Current: $2.9B · Tier avg: $1.2B