STELLAR BANK

HOUSTON, TX | Regional | Est. Oct. 15, 2007, midnight | FDIC #58629 | RSSD #3579589 | FED
Latest Report: 2025-12-31

STELLAR BANK is arn regional FDIC-insured commercial bank headquartered in HOUSTON, TX, established in Oct. 15, 2007, midnight. As of 2025-12-31, the bank reported total assets of $10.8B and total deposits of $9.1B. Profitability stands at 1.08% ROA and 7.04% ROE, with a net interest margin of 4.23%. The bank's CET1 capital ratio is 13.83%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.72% and a Texas Ratio of 3.49%. FDIC Certificate #58629.

Assets

$10.8B

Deposits

$9.1B

Loans

$7.3B

Equity

$1.6B

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 7.04%
Net Interest Margin (NIM) 4.23%
Yield on Assets 5.85%
Cost of Funds 4.56%

Asset Quality

NPL Ratio 0.72%
Net Charge-Off Ratio 0.05%
Texas Ratio 3.49%
NPA Ratio 0.56%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 13.83%
Tier 1 Capital 13.83%
Total Capital Ratio 15.03%
Leverage Ratio 11.14%
Loan-to-Deposit 80.46%

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