NORTHSTAR BANK OF TEXAS was chartered in July of 1972, under the name of Lake Cities State Bank in Lake Dallas, Texas. The bank was established to offer convenience and service of financial products and services to the citizens of the Lake Cities area of Denton County. Lake Cities State Bank experienced steady growth and opened a second location in Corinth to better serve customers. According to financial reports dated December 31, 1998, the bank.s size was 39 million in assets.