Stellar Bank
Stellar Bank reported total assets of $10.4 bn at Q2 2026, its last Call Report before it merged into Prosperity Bank. Its common equity tier 1 ratio was 12.79%, and an estimated 58.47% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Return on equity (ROE): down 11.87 pp on Q1 2026, to -4.12%
- Total assets: down 4.4% on Q1 2026, to $10.4 bn
- Common equity tier 1 (CET1) ratio: down 0.77 pp on Q1 2026, to 12.79%
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about Stellar Bank?
Its largest one-quarter change in total assets since Q1 2016 was +62.0% between Q3 2022 and Q4 2022, when it absorbed CommunityBank of Texas, N.A.. Against its six size peers, its return on equity (ROE) stands out most: -4.12% at Q2 2026, below the peer median of 14.91%. By efficiency ratio it moved from 289th to 496th among 500 banks between Q1 2026 and Q2 2026 (1 = lowest).
How large is Stellar Bank?
At Q2 2026 the bank held $10.4 bn of assets. Deposits were $8.7 bn and net loans and leases $7.4 bn, a loan-to-deposit ratio of 85.01%. Securities of $1.3 bn made up 12.7% of assets.
Total assets rose 371.0% between Q1 2016 and Q2 2026, from $2.2 bn.
How much of its funding is uninsured?
An estimated 58.47% of domestic deposits were above the FDIC insurance limit at Q2 2026, -0.56 pp from the previous quarter and +0.52 pp from a year earlier.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $10.4 bn | -0.8% | |
| Total deposits | $8.7 bn | +0.2% | |
| Net loans and leases | $7.4 bn | +3.1% | |
| Bank equity capital | $1.6 bn | -1.9% | |
| Common equity tier 1 (CET1) ratio | 12.79% | -1.39 pp | |
| Tier 1 leverage ratio | 10.48% | -0.96 pp | |
| Return on equity (ROE) | -4.12% | -11.16 pp | |
| Net interest margin | 4.43% | +0.18 pp | |
| Uninsured share of domestic deposits | 58.47% | +0.52 pp | |
| Noncurrent loans to total loans | 0.69% | +0.00 pp | |
| Net charge-offs to average loans | 0.14% | +0.13 pp |
US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026. Dashed amber lines mark the mergers and acquisitions listed under Mergers and acquisitions.
- Total assets $10.4bn
- Deposits $8.7bn
- Net loans $7.4bn
Capital and securities
The common equity tier 1 (CET1) ratio was 12.79% at Q2 2026, -1.39 pp from a year earlier. Since Q1 2016 it has ranged from 10.23% (Q2 2017) to 14.27% (Q3 2025). At Q2 2026 the tier 1 leverage ratio was 10.48% and the total risk-based capital ratio 13.99%. The median CET1 ratio of the size peers listed below was 12.88% at Q2 2026.
Available-for-sale securities showed an unrealized loss of $83.4 mn at Q2 2026; the loss narrowed by $57.0 mn from a year earlier.
Capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 10%
Unrealized gains and losses on securities
- Available for sale -$83mn
- Held to maturity $0
Profitability and loan quality
Return on equity was -4.12% for the year to Q2 2026, annualized, with a return on assets of -0.62% and a net interest margin of 4.43%. The margin was +0.18 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 91.97%. Net income for the year to Q2 2026 was -$33.3 mn, down 158.7% on the same period a year earlier. The median return on equity of its size peers was 14.91% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.69% of total loans at Q2 2026. Net charge-offs for the year to date were 0.14% of average loans, annualized.
Profitability
- Return on equity -4.1%
- Net interest margin 4.4%
- Return on assets -0.6%
Compared with banks of similar size
The six banks ranked closest to Stellar Bank by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, Stellar Bank is 4th by total assets. Its CET1 ratio of 12.79% compares with a peer median of 12.88%, its tier 1 leverage ratio of 10.48% compares with a peer median of 10.74%, and its return on equity of -4.12% compares with a peer median of 14.91%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| Washington Trust Bank | $10.5 bn | 11.91% | 12.78% | 57.30% | |
| Charles Schwab Trust Bank | $10.5 bn | 79.60% | 27.48% | 5.38% | |
| Centier Bank | $10.4 bn | 12.85% | 15.71% | 38.52% | |
| Stellar Bank | $10.4 bn | 12.79% | -4.12% | 58.47% | |
| Amarillo National Bank | $10.4 bn | 13.03% | 16.07% | 48.63% | |
| Stock Yards Bank & Trust Company | $10.4 bn | 12.02% | 14.12% | 40.97% | |
| Amerant Bank | $10.3 bn | 12.91% | 9.14% | 46.73% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 12.88%, return on equity 14.91%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
Stellar Bank, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets fell 2.3% to $10.4 bn, deposits fell 0.7% to $8.7 bn and bank equity capital fell 2.7% to $1.6 bn. Over the same period its full-time equivalent staff went from 1,040 to 1,043 and its offices went from 54 to 51.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $10.6 bn | $10.9 bn | $10.4 bn | $10.5 bn | $10.6 bn | $10.8 bn | $10.9 bn | $10.4 bn |
| Total deposits | $8.8 bn | $9.2 bn | $8.6 bn | $8.7 bn | $8.9 bn | $9.1 bn | $9.0 bn | $8.7 bn |
| Bank equity capital | $1.6 bn | $1.6 bn | $1.6 bn | $1.6 bn | $1.6 bn | $1.6 bn | $1.6 bn | $1.6 bn |
| Common equity tier 1 (CET1) ratio | 13.58% | 14.13% | 14.20% | 14.18% | 14.27% | 13.83% | 13.56% | 12.79% |
| Return on equity (ROE) | 8.10% | 7.81% | 6.79% | 7.04% | 7.01% | 7.02% | 7.75% | -4.12% |
| Uninsured share of domestic deposits | 55.96% | 58.78% | 57.51% | 57.95% | 56.49% | 58.65% | 59.03% | 58.47% |
| Full-time equivalent employees | 1,040 | 1,037 | 1,054 | 1,062 | 1,065 | 1,075 | 1,065 | 1,043 |
| Number of offices | 54 | 54 | 53 | 53 | 53 | 51 | 51 | 51 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
Figures before and after each event are not like for like.
- . Absorbed Post Oak Bank, N.A. (FDIC certificate 57729).
- . Absorbed CommunityBank of Texas, N.A. (FDIC certificate 3363).
- . Merged into Prosperity Bank (FDIC certificate 16835).
Large one-quarter moves
- Total assets changed by +53.4% in the quarter to 2018-12-31: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Post Oak Bank, N.A..
- Total assets changed by +62.0% in the quarter to 2022-12-31: Affiliated Institution Merger (Pooling) (i.e. Corporate Reorganization; Participated in Absorbtion/Consolidation/Merger: acquired from CommunityBank of Texas, N.A..
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 58629
- Federal Reserve RSSD ID
- 3579589
- Head office
- Houston, Texas
- Holding company
- STELLAR BCORP INC (as reported to the FDIC)
- Holding company RSSD ID
- 3594872
- EconoMonitor ID
- EMB-US-000219
Frequently asked questions
What were Stellar Bank's total assets?
$10.4 bn at Q2 2026, according to its Call Report as published by the FDIC.
Is Stellar Bank the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 58629). Its holding company, STELLAR BCORP INC (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after Stellar Bank files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 58629, and in the Call Reports filed under RSSD ID 3579589 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.