Lone Star Bank: how it compares with its peers
Against 131 TX banks with half to twice its assets, Lone Star Bank's strongest measure in Q2 2026 is net interest margin (4.35% vs. a 4.18% peer median). Its weakest relative measure is return on assets (1.19% vs. 1.46%).
| Measure | Lone Star Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.19% | 1.46% | Bottom third Ahead of 32% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.35% | 4.18% | Middle third Ahead of 60% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.18% | 63.11% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.6M | Middle third Ahead of 56% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.93% | 66.02% | Context |
What it means for lending operations
Its efficiency ratio of 61.18% is better than the 63.11% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- BOC Bank Mclean, TX · $203M
- The First National Bank of Evant Evant, TX · $199M
- Farmers State Bank Groesbeck, TX · $196M
- The Community Bank Bridgeport, TX · $212M
- Texas Advantage Community Bank, National Association Alvin, TX · $192M
- First State Bank of Odem Odem, TX · $213M
Questions about Lone Star Bank
How big is Lone Star Bank?
Lone Star Bank, established in 2006, is headquartered in Houston, TX. It reported $202M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Lone Star Bank's return on assets?
1.19% annualized in Q2 2026, against a 1.46% median for 131 TX banks with half to twice its assets, ahead of 32% of them.
What is Lone Star Bank's efficiency ratio?
61.18% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 63.11%, and lower is better.
Is Lone Star Bank growing its loans?
Net loans grew 15.2% over the year to Q2 2026, while deposits grew 17.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.