TX lenders / Community Bank
Lone Star National Bank
Community Bank · Pharr, TX · Lone Star Natl Bancshares--Texas
- Total assets
- $3.4B
- CRE loan book
- $1.2B
- QoQ CRE growth
- 1.7%
- Q1 2026
Recorded CRE activity — hidalgo County
5 commercial deeds of trust recorded recently, verified from county records.
- Jun 30, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 26, 2026 · unknownundisclosed
- Jun 26, 2026 · unknownundisclosed
Observed rates
Real loans — SBA 7(a)
6 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 8.75% (2 variable / 4 fixed) · $2.2M total approved.
Borrower cities: Mission (2), Rio Grande City, Sullivan City, San Juan, Donna.
Source: SBA 7(a) FOIA dataset · most recent approval Sep 5, 2025. Loan-level government-guaranteed pricing; conventional CRE terms may differ.
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.75% as of Q1 2026 — TX bank median 6.76% (0.01pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.75% | 6.65% |
| Q4 2025 | 7.06% | 7.01% |
| Q3 2025 | 6.99% | 6.91% |
| Q2 2025 | 6.94% | 6.84% |
| Q1 2025 | 6.77% | 6.69% |
| Q4 2024 | 6.95% | 6.86% |
| Q3 2024 | 7.29% | 7.15% |
| Q2 2024 | 6.92% | 6.91% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.2B | $248.4M | $109.7M | 211% | $9.9M |
| Q4 2025 | $1.2B | $247.2M | $109.9M | 216% | $6.9M |
| Q3 2025 | $1.2B | $250.4M | $105.5M | 207% | $9.1M |
| Q2 2025 | $1.2B | $231.0M | $81.7M | 204% | $4.6M |
| Q1 2025 | $1.1B | $238.8M | $62.5M | 183% | $2.0M |
| Q4 2024 | $1.1B | $209.2M | $63.4M | 194% | $1.7M |
| Q3 2024 | $1.1B | $207.3M | $62.7M | 180% | $6.6M |
| Q2 2024 | $1.1B | $197.7M | $58.0M | 188% | $2.9M |
Lone Star National Bank: frequently asked questions
- How large is Lone Star National Bank's commercial real estate loan book?
- As of Q1 2026, Lone Star National Bank reported $1.2B in commercial real estate loans out of $3.4B in total assets, per its FFIEC Call Report.
- Is Lone Star National Bank above the 300% CRE concentration guideline?
- Lone Star National Bank's CRE loans stood at 211% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Lone Star National Bank growing or shrinking its CRE lending?
- Lone Star National Bank's CRE loan book grew 1.7% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Lone Star National Bank in recorded CRE lending?
- 5 commercial deeds of trust naming Lone Star National Bank as lender have been recorded recently in hidalgo County, verified from county records; the most recent was recorded Jun 30, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- Carrollton BankCommunity Bank · Carrollton · $1.2B CRE book
- Pinnacle BankCommunity Bank · Fort Worth · $1.3B CRE book
- Stearns Bank National AssociationCommunity Bank · Saint Cloud · $1.1B CRE book
- American Momentum BankCommunity Bank · College Station · $1.1B CRE book
- Kennebunk Savings BankCommunity Bank · Kennebunk · $1.1B CRE book
Markets where Lone Star National Bank lends
Lone Star National Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
San Antonio
San Antonio (Bexar County)
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.