Stellar Bank (merged into Prosperity Bank)
Stellar Bank reported total assets of $10.4 bn at Q2 2026, its last Call Report before it merged into Prosperity Bank. The CET1 capital ratio at Stellar Bank was 12.79%, and the uninsured share of Stellar Bank was 58.47%. Source: FDIC Call Reports.
Key takeaways
- Since , Stellar Bank has taken over 2 institutions; the latest was CommunityBank of Texas, N.A. on (FDIC Call Reports).
What sets Stellar Bank apart
How large is Stellar Bank?
The balance sheet of Stellar Bank at : assets $10.4 bn, deposits $8.7 bn, net loans $7.4 bn (loans equal to 85.01% of deposits). Securities make up 12.7% of total assets at Stellar Bank. Since , when Stellar Bank held $2.2 bn, its assets grew 371.0%. In the year to , deposits at Stellar Bank rose 0.2% while its total assets fell 0.8%. At , Stellar Bank employed 1,043 full-time equivalent staff across 51 offices, about $10.0 mn of assets per employee and $171.3 mn of deposits per office.
How much funding at Stellar Bank is uninsured?
At Stellar Bank, uninsured deposits (above the FDIC limit) made up 58.47% of domestic deposits at (+0.52 pp on a year earlier). In dollars, Stellar Bank estimated $5.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | A year earlier | US rank |
|---|---|---|---|
| Total deposits | $8.7 bn | $8.7 bn (Q2 2025) | |
| Net loans and leases | $7.4 bn | $7.2 bn (Q2 2025) | |
| Loan-to-deposit ratio | 85.01% | 82.60% (Q2 2025) | |
| Tier 1 leverage ratio | 10.48% | 11.44% (Q2 2025) | |
| Total risk-based capital ratio | 13.99% | 15.39% (Q2 2025) | |
| Net interest margin | 4.43% | 4.26% (Q2 2025) | |
| Return on assets (ROA) | -0.62% | 1.07% (Q2 2025) | |
| Efficiency ratio | 91.97% | 58.90% (Q2 2025) | |
| Unrealized gain/loss on available-for-sale securities | Loss of $83.4 mn | Narrowed by $57.0 mn | |
| Noncurrent loans to total loans | 0.69% | 0.69% (Q2 2025) | |
| Net charge-offs to average loans | 0.14% | 0.01% (Q2 2025) |
US rank of Stellar Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Stellar Bank: assets, deposits and loans
- Total assets $10.4bn
- Deposits $8.7bn
- Net loans $7.4bn
Capital and securities
The CET1 ratio of Stellar Bank stood at 12.79% in , -1.39 pp year on year. Low and high at Stellar Bank since : 10.23% () to 14.27% (). Equity capital of Stellar Bank at : $1.6 bn, or 15.2% of total assets. Stellar Bank also reported a total capital ratio of 13.99% for , and a tier 1 leverage ratio of 10.48%.
The available-for-sale portfolio of Stellar Bank showed an unrealized loss of $83.4 mn at ; the loss narrowed by $57.0 mn over the year.
Stellar Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 10%
Stellar Bank: unrealized securities gains and losses
- Available for sale -$83mn
- Held to maturity $0
Profitability and loan quality
For the year to , Stellar Bank earned a return on equity of -4.12%; return on assets: -0.62%. Net interest margin at Stellar Bank: 4.43%, +0.18 pp in a year. Stellar Bank net income: -$33.3 mn, down 158.7% year on year. The efficiency ratio of Stellar Bank was 91.97%: about 92 cents cost per revenue dollar, against 50 cents at the median peer.
At , noncurrent loans were 0.69% of total loans at Stellar Bank; net charge-offs: 0.14% of average loans. Gross loans and leases at Stellar Bank: $7.5 bn at , against $7.3 bn at .
Stellar Bank: profitability
- Return on equity -4.1%
- Net interest margin 4.4%
- Return on assets -0.6%
Peer group of Stellar Bank
The peer group of Stellar Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Stellar Bank (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 2 have head offices in Texas. Against them, Stellar Bank shows CET1 ratio 12.79% against a peer median of 12.88%, return on equity -4.12% against a peer median of 14.91% and uninsured deposit share 58.47% against a peer median of 43.85%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Washington Trust Bank | State nonmember bank | WA | $10.5 bn | 11.91% | 12.78% | 57.30% | |
| Charles Schwab Trust Bank | State member bank | TX | $10.5 bn | 79.60% | 27.48% | 5.38% | |
| Centier Bank | State nonmember bank | IN | $10.4 bn | 12.85% | 15.71% | 38.52% | |
| Stellar Bank | State member bank | TX | $10.4 bn | 12.79% | -4.12% | 58.47% | |
| Amarillo National Bank | National bank | TX | $10.4 bn | 13.03% | 16.07% | 48.63% | |
| Stock Yards Bank & Trust Company | State nonmember bank | KY | $10.4 bn | 12.02% | 14.12% | 40.97% | |
| Amerant Bank | National bank | FL | $10.3 bn | 12.91% | 9.14% | 46.73% | |
. FDIC Call Reports.
Last eight quarters
Two years at Stellar Bank, to : assets $10.6 bn to $10.4 bn, deposits $8.8 bn to $8.7 bn, equity $1.6 bn to $1.6 bn. Staff 1,040 to 1,043; offices 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 |
| 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 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Stellar Bank, oldest first; 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 at Stellar Bank
- Total assets at Stellar Bank 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 at Stellar Bank 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..
Questions and identifiers
What were the total assets of Stellar Bank?
Stellar Bank reported $10.4 bn at in its Call Report.
Is Stellar Bank the same as its holding company?
No. This page covers Stellar Bank, FDIC certificate 58629; STELLAR BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Stellar Bank profitable?
Stellar Bank reported net income of -$33.3 mn for the year to ; annualized return on equity: -4.12%. So no: Stellar Bank made a loss over these months.
When is data for Stellar Bank next updated?
Stellar Bank no longer files Call Reports; its data ends at .
Where can I check the figures for Stellar Bank?
In the FDIC BankFind Suite record for certificate 58629, and in the Call Reports of Stellar Bank (RSSD ID 3579589) at the FFIEC Central Data Repository.