Lone Star Bank Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Lone Star Bank's 6-Month CD rates are at 3.65%, 6-Month CD rates are at 3.55%, 11-Month CD rates are at 3.30%, 11-Month CD rates are at 3.05%, 90 Day CD rates are at 2.80%. Lone Star Bank's savings rates are at 0.20%. Lone Star Bank's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of Lone Star Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates were last updated on 03/04/2026.
Rate Updates and AvailabilityLone Star Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Lone Star Bank? Share your experience about Lone Star Bank by leaving a review below, or read customer reviews before you decide to use Lone Star Bank. Lone Star Bank Texas RatioLone Star Bank's Texas Ratio is at 0.00%, which is considered perfect. The Texas Ratio for Lone Star Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Lone Star Bank has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Lone Star Bank is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 100/100
Lone Star Bank has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/04/2026 
Lone Star Bank CD Rates
Lone Star Bank Savings Rates
Lone Star Bank Money Market Rates
Lone Star Bank Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Lone Star Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Lone Star Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Lone Star Bank's official website for the most current offers and terms.
Bank Profile & OverviewLone Star Bank
2600 S Gessner RdHouston, TX 77063 Harris Established Date: 08/23/2006 FDIC Certificate #: 58324 Date of FDIC Deposit Insurance: 08/23/2006 How Many Domestic U.S. Offices? 4 How Many Branches are There? 4 Website: https://www.lsbtexas.com
Is Lone Star Bank FDIC Insured? Yes
What is Lone Star Bank's Cert number? 58324
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (100/100)
Texas Ratio:
0.00%
Return on Assets (ROA):
0.5607%
Return on Equity (ROE):
4.3300%
Non-Performing Loans (NPL):
0.00%
Total Assets:
$191,420,000
Total Deposits:
$166,898,000
Equity Capital:
$23,690,000
Net Income:
$1,919,000
Headquarters:
Houston
Regulator:
FDIC
# of Offices:
4
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Lone Star BankHow do I open an account at Lone Star Bank?You can typically open an account at Lone Star Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Lone Star Bank provides a range of mortgage and home equity products. Is Lone Star Bank a safe place to deposit money?Yes, Lone Star Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Lone Star Bank offer online and mobile banking?Most modern institutions like Lone Star Bank provide digital access including online balance checks and transfers. Compare to other Banks |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
