Call reports 2025
LONE STAR BANK — 2025
What LONE STAR BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 167,617,000 | 173,324,000 | 181,277,000 | 191,378,000 |
| Total loans | 146,561,000 | 152,998,000 | 160,449,000 | 166,436,000 |
| Allowance for loan losses | 1,735,000 | 1,792,000 | 1,887,000 | 1,969,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,941,000 | 150,195,000 | 157,425,000 | 166,898,000 |
| Interest-bearing deposits | 129,429,000 | 131,935,000 | 140,301,000 | 148,629,000 |
| Noninterest-bearing deposits | 14,512,000 | 18,260,000 | 17,124,000 | 18,269,000 |
| Equity capital | 22,734,000 | 22,502,000 | 23,079,000 | 23,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,794,000 | 5,773,000 | 9,050,000 | 12,345,000 |
| Interest expense | 1,165,000 | 2,317,000 | 3,612,000 | 4,893,000 |
| Net interest income | 1,629,000 | 3,456,000 | 5,438,000 | 7,452,000 |
| Noninterest income | 40,000 | 71,000 | 119,000 | 112,000 |
| Noninterest expense | 1,240,000 | 2,448,000 | 3,681,000 | 4,901,000 |
| Provision for loan losses | -8,000 | 49,000 | 144,000 | 225,000 |
| Pretax income | 375,000 | 933,000 | 1,680,000 | 2,428,000 |
| Income tax | 79,000 | 196,000 | 353,000 | 446,000 |
| Net income | 296,000 | 737,000 | 1,327,000 | 1,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,734,000 | 22,502,000 | 23,079,000 | 23,753,000 |
| Total capital | 24,409,000 | — | — | — |
| Risk-weighted assets | 133,828,000 | — | — | — |
Machine access — free, no API key
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