Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 16 Jan 2025 |
| RSSD ID | 2325350 |
| Address | 520 E Nolana, McAllen, TX 78504 Directions to the main office (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026Emergency Capital Investment Program (ECIP)
Treasury invested $215 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: Lone Star National Bank (FDIC cert 24347, total assets $3.3 billion). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $3.3 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 36 (as of 30 Oct 2026) |
Offices by state and county (36)
Texas (36 offices)
- Bexar County (5): 15236 Huebner Rd, San Antonio 78231; 3424 Paesanos Parkway St 102, San Antonio 78231; 381 West Loop 1604, San Antonio 78258; 6986 S Zarzamora St, San Antonio 78224; 7954 Fredericksburg Rd, San Antonio 78229
- Cameron County (6): 101 America Dr, Brownsville 78526; 2100 Boca Chica Blvd, Brownsville 78521; 3100 N Indiana Ave, Brownsville 78526; 3300 North Expressway 83, Brownsville 78521; 1901 N Ed Carey Dr, Harlingen 78550; 601 Padre Blvd, South Padre Island 78597
- Hidalgo County (21): 206 W Ferguson St, Pharr 78577 (main office); 605 S. Alton Blvd., Alton 78573; 117 S 10th Ave, Edinburg 78539; 1505 W Freddy Gonzalez Dr, Edinburg 78539; 633 S International Blvd, Hidalgo 78557; 1300 E Ridge Rd, Mcallen 78503; 200 Lindberg Ave, Mcallen 78501; 2109 S 10th St, Mcallen 78503; 3605 Buddy Owens Ave, Mcallen 78504; 4500 N 10th St, Mcallen 78504; 520 E Nolana Ave, Mcallen 78504; 5515 N 10th St, Mcallen 78504; 5537 N Mccoll Rd, Mcallen 78504; 600 E Nolana Ave, Mcallen 78504; 800 N Main St, Mcallen 78501; 1100 S Bryan Rd, Mission 78572; 2003 E Griffin Pkwy, Mission 78572; 720 E Veterans Blvd, Mission 78572; 300 S Cage Blvd, Pharr 78577; 214 S Texas Blvd, Weslaco 78596; 620 W Expressway 83, Weslaco 78599
- Starr County (4): 129 N Fm 3167, Rio Grande City 78582; 201 N Texas St, Rio Grande City 78582; 2300 E Main St, Rio Grande City 78582; 305 East Grant (u.S. Highway 83), Roma 78584
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Lone Star National Bank (RSSD 842460, FDIC cert 24347), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $1.77 billion (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 4.0% from $1.71 billion on 30 Jun 2025 |
| Total assets | $3.28 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $267.8 million | 15.1% |
| Home equity lines of credit | $8.7 million | 0.5% |
| Commercial real estate, construction and multifamily | $1.27 billion | 71.6% |
| Commercial and industrial (business) loans | $120.1 million | 6.8% |
| Farmland and farm production loans | $14.1 million | 0.8% |
| Consumer loans (credit cards, auto, other) | $20 million | 1.1% |
| All other loans and leases | $73.1 million | 4.1% |
Within consumer loans: auto loans $4.4 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 37 loans $1.3 million | 878 loans $16 million |
| $100,001 to $250,000 | 178 loans $19.1 million | 222 loans $15.5 million |
| $250,001 to $1 million | 302 loans $96.6 million | 154 loans $28.9 million |
| All small business loans | 517 loans $117 million | 1,254 loans $60.4 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 13 loans $651,000 | 30 loans $487,000 |
| $100,001 to $250,000 | 18 loans $1.4 million | 1 loan $250,000 |
| $250,001 to $500,000 | 10 loans $1.8 million | none reported |
| All small farm loans | 41 loans $3.9 million | 31 loans $737,000 |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported by its bank (2025)
FFIEC HMDA data, 2025The HMDA reporter panel lists LONE STAR NATIONAL BANCSHARES--TEXAS, INC. as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- Lone Star National Bank: 232 originated home loans
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $3.28 billion | Larger than 92% of the 12 other certified banks and bank holding companies in Texas (median $301.2 million). |
| Loans as a share of assets | 54% | Median of the same 12 banks and bank holding companies: 61%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.71 billion → $1.77 billion (+4%) | Median change of 12 other certified banks and bank holding companies in Texas: +8%. Rank by loans held among these 13: 1 → 1. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Texas | 12 | larger than 92% |
| Loans held then vs now | certified banks and bank holding companies in Texas reporting both dates | 12 | rank 1 → 1 of 13 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Lone Star National Bank is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in McAllen and Texas
- Affordable Homes of South Texas, Inc.Loan fund · McAllen, TXHome repair / improvement loans, Home mortgagesVerified
- Lone Star National BankBank or thrift · McAllen, TXAuto / vehicle loansVerified
- BORDERPLEX COMMUNITY CAPITAL, INCLoan fund · El Paso, TXCommercial real estate loans, Equipment loans, Microloans, Small-business loansVerified
- Border Federal Credit UnionCredit union · Del Rio, TXAuto / vehicle loans, Personal / consumer loansVerified
- Business Investment GrowthLoan fund · Austin, TXMicroloansVerified
- Business and Community Lenders (BCL) of TexasLoan fund · Austin, TXCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
Work at LONE STAR NATIONAL BANCSHARES--TEXAS, INC.? Link to this page
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