BlastPoint's Banking Scorecard
Lone Star Bank
Micro
Specialty: Commercial
TX
FDIC cert 58324
Designations: ✓ Community bank
Houston, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Lone Star Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$191.4M
+14.3% YoY
+5.6% QoQ
|
-$26.1M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$164.5M
+14.0% YoY
+3.7% QoQ
|
+$25.3M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$166.9M
+15.7% YoY
+6.0% QoQ
|
-$16.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
1.09%
+64.8% YoY
+6.1% QoQ
|
0 |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
4.33%
+19.3% YoY
+0.6% QoQ
|
+0.47% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
64.79%
-13.3% YoY
-2.2% QoQ
|
-2.93% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
98.54%
-1.5% YoY
-2.2% QoQ
|
+24.02% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.95%
-7.5% YoY
+0.6% QoQ
|
-11.45% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.06%
-47.9% YoY
-10.9% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
89
89th pctile
Loan-to-Deposit Ratio
Current: 98.54% · Tier avg: 74.53%
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
65
65th pctile
Total Loans
Current: $164.5M · Tier avg: $139.2M
54
54th pctile
Efficiency Ratio
Current: 64.79% · Tier avg: 67.73%
52
52th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Deposits
Current: $166.9M · Tier avg: $183.7M
49
49th pctile
Total Assets
Current: $191.4M · Tier avg: $217.5M
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.95% · Tier avg: 22.39%
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.95% · Tier avg: 22.39%
49
49th pctile
Total Assets
Current: $191.4M · Tier avg: $217.5M
50
50th pctile
Total Deposits
Current: $166.9M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.08%
54
54th pctile
Efficiency Ratio
Current: 64.79% · Tier avg: 67.73%
65
65th pctile
Total Loans
Current: $164.5M · Tier avg: $139.2M
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
89
89th pctile
Loan-to-Deposit Ratio
Current: 98.54% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%