🏦Bank Scorer

LONE STAR NATIONAL BANK

PHARR, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1983FDIC #24,347
Outstanding Up

Current rating · Exam: July 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.38%

Institution Profile

FDIC BankFind

Address

206 W Ferguson St, PHARR, TX

County

Hidalgo County

Established

January 24, 1983

Total Assets

$3.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 24, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.4B

Total Deposits

$3.0B

Net Loans

$1.7B

Net Income

$12M

ROA

1.38%

ROE

12.69%

Risk-Based Capital

21.03%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate24.05%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

36

Branch Deposits

$2.9B

1-Year Change

0

5-year net change: +3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202455347.02%24.05%
202347445.78%23.84%
202244357.11%19.41%
202162241.8%23.31%
202075345.15%19.26%
201961452.93%17.43%
201862465.06%9.94%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

9 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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