Bank Branches › Closed and merged banks › Texas › Lone Star Capital Bank, National Association
What happened to Lone Star Capital Bank, National Association?
Lone Star Capital Bank, National Association in San Antonio, TX (earlier called Mission National Bank) merged into Rio Bank of Mcallen, TX on May 30, 2025. Rio Bank is open today.
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1999Mission National Bank opens in San Antonio, TX
- Jun 1, 2003renamed Lone Star Capital Bank, National Association
- May 30, 2025MERGEDLone Star Capital Bank, National Association merged into Rio Bank of Mcallen, TX.FDIC certificate 35015 ends; its business continues under certificate 25886.
- TodayOPEN
Rio BankMain office Mcallen, TX · FDIC certificate 25886 · 23 offices in 1 state on June 30, 2026Every Rio Bank office → Website on file with the FDIC: www.rio.bank
If you still have something from Lone Star Capital Bank, National Association
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Lone Star Capital Bank, National Association as lienholder, start with Rio Bank. In a merger the surviving bank takes over the other bank's loans, so it is the bank to ask for a recordable lien release; if the loan was sold along the way, it can tell you to whom.
The FDIC says it cannot process lien releases for banks that merged or were acquired without government assistance, which is what the record shows here.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask Rio Bank to search for the account under the name Lone Star Capital Bank, National Association. A passbook or certificate shows an account existed. It doesn't show the money is still there, and the OCC notes that federal rules require banks to keep most account records for five years.
Accounts nobody touches are eventually turned over to a state. The OCC puts the usual wait at three to five years with no activity, set by each state's law. Search the unclaimed-property program of the state of the owner's last known address on the bank's records, and any other state they lived in. It is free to search and to claim through a state's own site, and MissingMoney.com, an official site of the state administrators' association, searches most states at once.
A safe deposit box
Ask Rio Bank which branch now holds boxes from the Lone Star Capital Bank, National Association office you used. The OCC says a box with no activity for three to five years (the period is set by state statute) is likely treated as dormant, and its contents may be turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain. The office list below shows which bank each office reports under now.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Its offices in the FDIC deposit reports
9 offices filed under this charter in some year from 1994 on. 4 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 1001 Highway 1431Marble Falls, TX | OpenRio Bank |
| 401 E. Highway 290 WestDripping Springs, TX | OpenRio Bank |
| 403 US Highways 281 and 290 SouthJohnson City, TX | OpenRio Bank |
| 1108 Main StBlanco, TX | OpenRio Bank |
| 15142 San Pedro AveSan Antonio, TX | No longer reported |
| 150 N Loop 1604 ESan Antonio, TX | No longer reported |
| 1910 W Braker Ln, Ste 100Austin, TX | No longer reported |
| 420 N Weidner RdSan Antonio, TX | No longer reported |
| 15142 San PedroSan Antonio, TX | No longer reported |
Banks folded into Lone Star Capital Bank, National Association
3 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Business Bank of Texas, N.A.Austin, TX | May 1, 2021 |
| Cattleman's National BankJohnson City, TX | Oct 1, 2012 |
| Clear Lake National BankSan Antonio, TX | Jun 1, 2003 |
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 35015 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.