22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 2026.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 15, 2026
Call-report figures are for Lone Star National Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Lone Star National Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $2.8M in Q2 2026, 13% above the same quarter a year earlier ($2.5M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Student Checking
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 4.1% from Q3 2025 to Q2 2026, to $2.8M.
$2.8M
Lone Star National BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Lone Star National Bank · $3.3B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Lone Star National Bank(this institution) | Pharr, TX | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Academy Bank, National Association | Kansas City, MO | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Austin Bank, Texas National Association | Jacksonville, TX | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Banco do Brasil Americas | Miami, FL | $3.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BankFirst Financial Services | Columbus, MS | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bankwell Bank | New Canaan, CT | $3.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Banterra Bank | Marion, IL | $3.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| BCB Community Bank | Bayonne, NJ | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Centreville Bank | West Warwick, RI | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Exchange Bank | Santa Rosa, CA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers Bank & Trust Company | Magnolia, AR | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fidelity Bank, National Association | Wichita, KS | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Citizens Community Bank | Mansfield, PA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Dakota National Bank | Yankton, SD | $3.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Western Trust Bank | Denver, CO | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lake Ridge Bank | Middleton, WI | $3.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Monet Bank | Plano, TX | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North American Savings Bank, F.S.B. | Grandview, MO | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Northern Bank & Trust Company | Woburn, MA | $3.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Oakstar Bank | Springfield, MO | $3.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| STAR Financial Bank | Fort Wayne, IN | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Stearns Bank National Association | Saint Cloud, MN | $3.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| UniBank for Savings | Whitinsville, MA | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Union Savings Bank | Danbury, CT | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Unity Bank | Clinton, NJ | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| WestStar Bank | El Paso, TX | $3.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $8 among 18 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 7, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 7, 2026. Total assets from FDIC and NCUA records.
Call reports for Lone Star National Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $2.8M | +$121K | +4.6% |
| Q1 2026 | $2.6M | −$4K | −0.2% |
| Q4 2025 | $2.6M | −$9K | −0.3% |
| Q3 2025 | $2.7M | +$200K | +8.1% |
| Q2 2025 | $2.5M | −$41K | −1.6% |
| Q1 2025 | $2.5M | −$125K | −4.8% |
| Q4 2024 | $2.6M | −$27K | −1.0% |
| Q3 2024 | $2.7M | +$178K | +7.2% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Lone Star National Bank’s own schedules, with a source for each figure.
per month
per month
per transaction
per item
per item
per item
per item
per item
per item · Per sheet (4 per sheet)
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $10 | per month | None |
| Account Closing Fee (Within 180 Days of Opening) (audience not stated, treated as personal) | $25 | Not stated | None |
| Account Inactivity Fee (audience not stated, treated as personal) | $10 | Not stated | None |
| Wire Confirmation (Email, Call Back, or Fax) (audience not stated, treated as personal) | $5 | Not stated | None |
| Paper Statement (audience not stated, treated as personal) | $3 | Not stated | None |
| Returned Mail | $10 | per month | None |
Overdraft & NSF | |||
| Overdraft Item Fee - Paid | $35.99 | Not stated | None |
| Returned Item Fee - Returned Unpaid | $35.99 | Not stated | None |
ATM & Card | |||
| Non-LSNB ATM Network Usage Fee | $2 | per transaction | None |
| Card Replacement | $5 | Not stated | None |
| International Transaction Fee (audience not stated, treated as personal) | 3%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfers DOMESTIC WIRES: Outgoing (audience not stated, treated as personal) | $30 | Not stated | None |
| Wire Transfers DOMESTIC WIRES: Incoming (audience not stated, treated as personal) | $15 | Not stated | None |
Check Services | |||
| Cashier's Checks in Lieu of On Us Items (Non-Customers) | $10 | per item | None |
| Declaration of Loss Cashier's Checks | $10 | Not stated | None |
| Monetary: Cashier's Checks (Customers Only) | $10 | per item | None |
| Money Order (Customers Only) | $5 | per item | None |
| Stop Payment (Per Item) | $35 | per item | None |
| Stop Payment (Range of Checks) | $50 | Not stated | None |
| Zelle® Stop Payment (Per Item) (audience not stated, treated as personal) | $10 | per item | None |
| Temporary Checks | $3 | per item | Per sheet (4 per sheet) |
| Temporary Checks (4 Per Sheet) | $3 | per item | None |
Digital & Electronic | |||
| Online Unlimited Bill Pay (audience not stated, treated as personal) | No charge | Not stated | None |
| Send Money with Zelle® Effective March 5, 2026 (audience not stated, treated as personal) | $1Not compared: Per-transaction charge, not monthly | per transaction | None |
Cash & Deposit | |||
| Coin Counting & Rolling | $0.10 | Not stated | None |
| Loose Coin | 4% | Not stated | None |
| Loose Coin (Non-Customer) | 9% | Not stated | None |
| Chargebacks | $12 | Not stated | None |
| Night Depository Set-Up | $25 | Not stated | None |
Account Services | |||
| Box Drilling (Only if Required) | $175Not compared: Box drilling or key fee | Not stated | None |
| Box Rental Late Fee | $25Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $120 | Not stated | None |
| Safe Deposit Box 3 x 10 | $55 | Not stated | None |
| Safe Deposit Box 3 x 5 | $35 | Not stated | None |
| Safe Deposit Box 5 x 10 | $85 | Not stated | None |
| Court Ordered Records/Levy | $100 | Not stated | None |
Other Fees | |||
| Monthly Account Statement Reprint (audience not stated, treated as personal) | $5Not compared: Monthly charge, not per item | per month | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Lone Star National Bank operates, and what regulators and customers have on file.
In McAllen-Edinburg-Mission, TX, Lone Star National Bank holds 14.1% of bank deposits, #2 of 20, with 21 offices.
170 offices of 28 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 20 institutions shown. $16.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 14.1% share, 21 offices, #2 of 20
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
24 offices of 9 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
4 past actions
Past
OCC, penalty $1.0M
BSA/AML; Noncompliance with Enforcement Action
OCC. Ended July 27, 2017
Appraisals; Asset Quality; Board / Management Oversight; Credit/Collateral Exceptions; Lending Issues; Loan Review; OREO; Other Lending Deficiencies; Problem Loan Identification
OCC. Ended July 27, 2017
BSA Independent Testing/Audit; BSA Officer; BSA Program Violation / 12 CFR 21.21; BSA SAR Violation / 12 CFR 21.11 or 163.180; BSA Violation Cited; BSA/AML; Customer/Enhanced Due Diligence (CDD/EDD); SAR/CTR Monitoring/Filing Issue
OCC. Ended January 21, 1994
Source: public enforcement action lists from the OCC and Federal Reserve, read November 8, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.