Headquartered in Houston, Texas, Lone Star Bank is a state-chartered bank with $202.3M in total assets and $176.0M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 2006.
Based on its Q2 2026 filing, Lone Star Bank scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 134th. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is funding & liquidity (53/100; 99% loans-to-deposits, 22% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 77).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 77 |
| Q4 2024 | 77 |
| Q1 2025 | 78 |
| Q2 2025 | 78 |
| Q3 2025 | 78 |
| Q4 2025 | 80 |
| Q1 2026 | 81 |
| Q2 2026 | 77 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.50% |
| Q3 2024 | 13.42% |
| Q4 2024 | 13.41% |
| Q1 2025 | 13.52% |
| Q2 2025 | 13.47% |
| Q3 2025 | 12.76% |
| Q4 2025 | 12.78% |
| Q1 2026 | 12.88% |
| Q2 2026 | 12.65% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.29% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.58% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.66% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.87% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.12% |
| Q1 2026 | 1.28% |
| Q2 2026 | 1.19% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $202.3M | 12.65% | 0.29% | 1.19% | 98.9% |
| Q1 2026 | 81 | $200.2M | 12.88% | 0.00% | 1.28% | 96.4% |
| Q4 2025 | 80 | $191.4M | 12.78% | 0.00% | 1.12% | 98.5% |
| Q3 2025 | 78 | $181.3M | 12.76% | 0.00% | 1.03% | 100.7% |
| Q2 2025 | 78 | $173.3M | 13.47% | 0.09% | 0.87% | 100.7% |
| Q1 2025 | 78 | $167.6M | 13.52% | 0.00% | 0.71% | 100.6% |
| Q4 2024 | 77 | $167.5M | 13.41% | 0.00% | 0.66% | 100.0% |
| Q3 2024 | 77 | $166.5M | 13.42% | 0.00% | 0.56% | 97.8% |
| Q2 2024 | 74 | $161.5M | 13.50% | 0.37% | 0.58% | 101.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| BOC BankBank Mclean, TX | 81 out of 100, Strong | $203.4M | 12.4% | 0.00% | vs |
| The First National Bank of EvantBank Evant, TX | 78 out of 100, Strong | $199.4M | 9.8% | 0.38% | vs |
| Farmers State BankBank Groesbeck, TX | 79 out of 100, Strong | $196.0M | 9.4% | 0.04% | vs |
| The Community BankBank Bridgeport, TX | 62 out of 100, Moderate | $211.8M | 10.6% | 1.64% | vs |
| Texas Advantage Community Bank, National AssociationBank Alvin, TX | 44 out of 100, Below average | $192.1M | 11.3% | 7.09% | vs |
| First State Bank of OdemBank Odem, TX | 95 out of 100, Very strong | $212.6M | 14.4% | 0.00% | vs |
Deposit insurance
Is my money safe at Lone Star Bank?
Yes. Lone Star Bank is an FDIC-insured institution (FDIC certificate #58324). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.4% of deposits ($39.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.65%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Lone Star Bank lists 4 offices in 3 cities. Most locations:
- Houston, TX (2)
- Columbus, TX (1)
- Sealy, TX (1)
Identity & history
Profile
- Legal name
- Lone Star Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58324
- RSSD ID
- 3448162
- Primary regulator
- FDIC
- Established
- August 23, 2006
- Headquarters
- 2600 S Gessner Rd, Houston, TX 77063
- Website
- www.lsbtexas.com
- Employees
- 29
Quick answers
Lone Star Bank: common questions
Is Lone Star Bank FDIC insured?
Yes. Lone Star Bank is an FDIC-insured institution (FDIC certificate #58324). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Lone Star Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Lone Star Bank ever failed?
There is no failure record for FDIC certificate #58324 in the FDIC failed bank list.
How many branches does Lone Star Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Houston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Local 24 Employees Federal Credit UnionCredit union Pasadena, TX | 98 out of 100, Very strong | $13.6M | 21.0% | 0.26% | vs |
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| Schlumberger Employees Credit UnionCredit union Sugar Land, TX | 94 out of 100, Very strong | $935.8M | 25.3% | 0.57% | vs |
| Ila 1351 Federal Credit UnionCredit union La Porte, TX | 92 out of 100, Very strong | $17.3M | 17.0% | 0.00% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |