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Lone Star Bank

Houston, TX · Cert 58324 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21)

State charter, non-member · FDIC · 4 branches

Q2 2026

$202.3MAssets
$176.2MLoans
$176.0MDeposits
$25.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 9 of 21).
  • Widest gap: total risk-based capital ratio trails 76% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 16 of 21).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.16%

Rank 11 of 21

Net Interest Margin

4.21%

Rank 9 of 21

Efficiency Ratio

61.18%

Rank 7 of 21

Equity / Assets

12.54%

Rank 8 of 21

Non-interest income vs. expense

$0.2M$5.3MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 71% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 61.18%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.16%0.77%1.16%1.46%Beats 48%11 / 21
Return on Equity9.25%6.66%8.42%15.66%Beats 52%10 / 21
Net Interest Margin4.21%3.50%3.97%4.41%Beats 57%9 / 21
Efficiency Ratio61.18%59.33%68.18%79.00%Beats 71%7 / 21
Asset Quality
Nonperforming Loans / Loans0.29%0.01%0.37%1.25%Beats 62%9 / 21
Net Charge-Offs / Loans0.00%n/a0.01%0.05%Beats 100%9 / 21
Capital
Tier 1 Capital Ratio12.65%12.65%15.76%18.38%Beats 24%16 / 21
Total Risk-Based Capital Ratio12.65%12.65%16.68%19.63%Beats 24%16 / 21
Equity / Assets12.54%9.08%11.30%15.80%Beats 62%8 / 21
Liquidity & Funding
Loans / Deposits100.09%64.96%78.30%90.30%86th pctl3 / 21
Loans / Assets87.08%55.83%65.86%74.20%95th pctl1 / 21
Brokered Deposits / Depositsn/aNot reported for this institution