Bank · FDIC insured
Lone Star Bank
A $202.3M bank headquartered in Houston, TX, with 4 branches in Texas. Best rates: CDs 3.80% and savings 0.20% APY.
Lone Star Bank Carrot Score
64
Carrot Score
Higher than 12% of U.S. banks and credit unions
#94 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Lone Star Bank
Established in Houston in 2006, Lone Star Bank is an independent and privately owned community bank.
The bank focuses on commercial banking, offering financial products and services including conventional business and real estate loans and SBA loans.
- Headquarters
- 2600 S Gessner Rd, Houston, TX 77063
- FDIC certificate
- 58324 ↗
Branches
4 branches in Texas
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Texas
4 branches
Houston area · 3
- Lone Star BankMain office2600 S Gessner Rd, Houston, TX 77063Directions
- Copperfield Office Branch7630 Highway 6 N, Houston, TX 77095Directions
- Sealy Branch307 Main St, Sealy, TX 77474Directions
Columbus area · 1
- Columbus Branch1001 Milam St, Columbus, TX 78934Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.65% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.29% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.19% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $100 | $81 | — |
- CapitalLeverage ratio12.65%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.29%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.19%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$100Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Lone Star Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.