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Lone Star National Bank


ACH Number: 114911687

Lone Star National Bank is an FDIC insured institution headquartered at 206 W Ferguson St, Pharr, TX 78577.
It was founded in 1983 and has approximately $3 billion in assets. Customers can open an account at one of its 30 branches.

Deposit Rates - February 12, 2026

SAVINGS RATES APY MIN
Savings
0.10% $50 Compare
CD RATES APY MIN
6 Mo CD
0.25% $1,000 Compare
6 Mo CD
0.25% $100,000 Compare
12 Mo CD
0.35% $1,000 Compare
12 Mo CD
0.35% $100,000 Compare
18 Mo CD
0.35% $1,000 Compare
18 Mo CD
0.35% $100,000 Compare
24 Mo CD
0.35% $1,000 Compare
24 Mo CD
0.35% $100,000 Compare
30 Mo CD
0.45% $1,000 Compare
30 Mo CD
0.45% $100,000 Compare
36 Mo CD
0.50% $1,000 Compare
36 Mo CD
0.50% $100,000 Compare
48 Mo CD
0.55% $1,000 Compare
48 Mo CD
0.55% $100,000 Compare
60 Mo CD
0.55% $1,000 Compare
60 Mo CD
0.55% $100,000 Compare
MM RATES APY MIN
Money Market
0.20% $1,500 Compare
Money Market
0.35% $10,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $1,200




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 24347
Date Established 1983
Assets $ 3.20 billion
Loans $ 1,688.17 million
Deposits $ 2.84 billion
Capital $ 342.43 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 303.05 million
Interest-bearing balances $ 263.49 million
Total securities $ 1,024.19 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,688.17 million
Loan loss allowance $ 22.16 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.63 million
Goodwill and other intangibles $ 0.92 million
All other assets $ 93.95 million
     Total Assets $ 2.85 billion

LIABILITIES
Total deposits $ 2.84 billion
      Interest-bearing deposits $ 2.15 billion
      Deposits held in domestic offices $ 2.84 billion
      % insured (estimated)" 41.05%
Federal funds purchased and repurchase agreements $ 2.00 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 7.40 millionn
      Total Liabilities $ 2.85 billion
      Shareholders’ Equity $ 342.43 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 118.68 million
Total Interest Expense $ 37.73 million
Net interest income $ 80.94 million
Provision for loan and lease losses $ 0.29 million
Total non interest income $ 27.52 million
Total non interest expense $ 73.78 million
Pre-tax Net Operating Income $ 18.52 million

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Branches

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Lone Star National Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Lone Star National Bank
    Bank
    TEXAS
    $50,000
    N.A.
    0.10%
    0.44x (National Avg. - 0.23%)
    $50
    -
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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