Bank call report · Houston, TX
Stellar Bank Call Report
Filed for the quarter ended (Q2 2026) on the FFIEC 041. Source: FFIEC Central Data Repository.
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Stellar Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 509 reported line items, schedule by schedule (978 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 3579589 |
| FDIC certificate number | 58629 |
| Total assets | $10.40B |
Official Q2 2026 call report PDF (FFIEC) →
Stellar Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Stellar Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total assets | RCON2170 | $10.40B |
| Total liabilities, limited-life preferred stock, and equity capital | RCON3300 | $10.40B |
| Total liabilities and minority interest | RCON2948 | $8.82B |
| Total deposits | RCON2200 | $8.74B |
| Loans and leases, net of unearned income - totals | RCONB528 | $7.51B |
| Loans and leases, net of unearned income and allowance | RCONB529 | $7.43B |
| Total interest-bearing deposits in foreign and domestic offices | RCON6636 | $5.54B |
| Deposits, noninterest-bearing | RCON6631 | $3.20B |
| Total equity capital | RCON3210 | $1.58B |
| Total equity capital including noncontrolling minority interests in consolidated subsidiaries | RCONG105 | $1.58B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $1.32B |
| Surplus | RCON3839 | $1.29B |
| Interest-bearing balances | RCON0071 | $570.2M |
| Intangible assets | RCON2143 | $558.6M |
| Goodwill | RCON3163 | $497.3M |
| Undivided profits and capital reserves | RCON3632 | $358.0M |
| Other assets | RCON2160 | $302.0M |
| Noninterest-bearing balances and currency and coin | RCON0081 | $111.4M |
| Premises and fixed assets (including capitalized leases) | RCON2145 | $97.7M |
| Other liabilities, total | RCON2930 | $86.2M |
| Allowance for loan and lease losses | RCON3123 | $83.0M |
| Accumulated other comprehensive income | RCONB530 | -$65.9M |
| Other real estate owned | RCON2150 | $12.6M |
| Common stock | RCON3230 | $3.2M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $1.2M |
Schedule RI: Income Statement (46 items)
About Schedule RI · Stellar Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total interest income | RIAD4107 | $291.6M |
| Interest and fee income on loans, total | RIAD4010 | $244.0M |
| Total noninterest expense | RIAD4093 | $216.9M |
| Net interest income | RIAD4074 | $213.3M |
| Salaries and employee benefits | RIAD4135 | $154.5M |
| Interest and fee income on all other loans secured by real estate | RIAD4436 | $153.2M |
| Total interest expense | RIAD4073 | $78.2M |
| Interest and fee income on commercial and industrial loans | RIAD4012 | $52.6M |
| Other noninterest expense | RIAD4092 | $39.0M |
| Interest and fee income on loans secured by 1-4 family residential properties | RIAD4435 | $35.3M |
| Income (loss) before applicable income taxes and discontinued operations | RIAD4301 | -$35.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | -$35.2M |
| Realized gains (losses) on available-for-sale debt securities | RIAD3196 | -$34.7M |
| Income (loss) before discontinued operations | RIAD4300 | -$33.3M |
| Net income (loss) | RIAD4340 | -$33.3M |
| Net income (loss) attributable to bank and noncontrolling minority interests | RIADG104 | -$33.3M |
| Interest and dividend income on securities, mortgage-backed securities | RIADB489 | $31.5M |
| Savings deposits (including mmdas) | RIAD0093 | $31.3M |
| Interest on transaction accounts (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) | RIAD4508 | $27.1M |
| Expenses of premises and fixed assets | RIAD4217 | $13.6M |
| Total noninterest income | RIAD4079 | $11.9M |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of more than 250000 | RIADHK04 | $10.8M |
| Amortization expense and impairment losses intangible assets | RIADC232 | $9.8M |
| Interest income on balances due from depository institutions | RIAD4115 | $9.1M |
| Other noninterest income | RIADB497 | $8.9M |
| Provisions for credit losses on financial assets | RIADJJ33 | $8.8M |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of 250000 or less | RIADHK03 | $6.1M |
| Provision for loan and lease losses | RIAD4230 | $4.8M |
| Interest on other securities | RIAD4060 | $4.8M |
| Service charges on deposit accounts in domestic offices | RIAD4080 | $3.3M |
| Interest on trading liabilities and other borrowed money | RIAD4185 | $2.6M |
| Interest and dividend income on securities, U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) | RIADB488 | $2.3M |
| Service charges on deposits in domestic office all other | RIADH035 | $1.9M |
| Applicable income taxes | RIAD4302 | -$1.8M |
| Interest and fee income on all other loans in domestic offices | RIAD4058 | $1.6M |
| Interest and dividend income on tax-exempt securities issued by states and political subdivisions in the U.S. | RIAD4507 | $1.6M |
| Loans to individuals for household, family, and other personal expenditures, other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADB486 | $1.2M |
| Service charges on deposits in domestic office ATM-related for individuals | RIADH034 | $1.1M |
| Interest and fee income on loans to finance agricultural production and other loans to farmers in domestic offices | RIAD4024 | $334K |
| Net gains (losses) on other real estate owned | RIAD5415 | -$253K |
| Expense of federal funds purchased and securities sold under agreements to repurchase | RIAD4180 | $230K |
| Service charges on deposits in domestic office maintenance for individuals | RIADH033 | $224K |
| Estimated income on tax-exempt loans and leases to states and political subdivisions in the U.S. | RIAD4313 | $94K |
| Service charges on deposits in domestic office overdraft related for individuals | RIADH032 | $89K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | -$12K |
| Number of full time equivalent employees on payroll at end of current period | RIAD4150 | 1,043 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and balances due from depository institutions | RCON0010 | $681.7M |
| Balances due from federal reserve banks | RCON0090 | $558.7M |
| Cash items in process of collection and unposted debits | RCON0020 | $70.0M |
| Balances due from depository institutions in the U.S. | RCON0082 | $34.1M |
| Currency and coin | RCON0080 | $18.8M |
Schedule RC-B: Securities (35 items)
About Schedule RC-B · Stellar Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed securities (MBS), residential pass-through securities, guaranteed by GNMA, available-for-sale amortized cost | RCONG302 | $158.6M |
| Mortgage-backed securities (MBS), residential pass-through securities, guaranteed by GNMA, available-for-sale fair value | RCONG303 | $157.4M |
| Mortgage-backed securities (MBS), residential pass-through securities, issued by FNMA and FHLMC, available-for-sale amortized cost | RCONG306 | $568.2M |
| Mortgage-backed securities (MBS), residential pass-through securities, issued by FNMA and FHLMC, available-for-sale fair value | RCONG307 | $536.8M |
| Mortgage-backed securities (MBS), other residential MBS (include cmos, REMICS, and stripped MBS), issued or guaranteed by FNMA, FHLMC, or GNMA - available-for-sale amortized cost | RCONG314 | $468.2M |
| Mortgage-backed securities (MBS), other residential MBS (include cmos, REMICS, and stripped MBS), issued or guaranteed by FNMA, FHLMC, or GNMA - available-for-sale fair value | RCONG315 | $425.8M |
| Structured financial products by underlying collateral or reference assets, other collateral or reference assets - available-for-sale amortized cost | RCONG374 | $57.8M |
| Structured financial products by underlying collateral or reference assets, other collateral or reference assets - available-for-sale fair value | RCONG375 | $57.2M |
| Total amortized cost of available-for-sale securities | RCON1772 | $1.41B |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over 15 years | RCONA560 | $617.2M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICS, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $400.6M |
| Pledged securities | RCON0416 | $353.7M |
| Amortized cost of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8498 | $73.9M |
| Fair value of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8499 | $67.9M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over five years through fifteen years | RCONA553 | $62.4M |
| Amortized cost of other available-for-sale domestic debt securities | RCON1739 | $58.8M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $57.8M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale, Amortized Cost | RCONPV00 | $57.8M |
| Fair value of other available-for-sale domestic debt securities | RCON1741 | $57.3M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $57.2M |
| Guaranteed by U.S. government agencies or sponsored agencies included in schedule RC-B, item 5.B - available-for-sale, fair value | RCONPV01 | $57.2M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three years through five years | RCONA552 | $51.5M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of three months of less | RCONA549 | $39.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICS, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $34.5M |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over one year through three years | RCONA557 | $28.9M |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over five years through 15 years | RCONA559 | $28.4M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three months through 12 months | RCONA550 | $27.2M |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three years through five years | RCONA558 | $19.6M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over one year through three years | RCONA551 | $13.2M |
| Fixed rate and floating rate debt securities with a remaining maturity of one year or less | RCONA248 | $12.6M |
| Mortgage-backed securities (MBS), commercial MBS, commercial mortgage pass-through securities, issued or guaranteed by fnma,fhlmc or GNMA, available-for-sale amortized cost | RCONK144 | $12.0M |
| Mortgage-backed securities (MBS), commercial MBS, commercial mortgage pass-through securities, issued or guaranteed by fnma,fhlmc or GNMA, available-for-sale fair value | RCONK145 | $11.9M |
| Mortgage-backed securities (MBS), commercial MBS, other commercial MBS, issued or guaranteed by fnma,fhlmc or GNMA, available-for-sale amortized cost | RCONK152 | $9.3M |
| Mortgage-backed securities (MBS), commercial MBS, other commercial MBS, issued or guaranteed by fnma,fhlmc or GNMA, available-for-sale fair value | RCONK153 | $9.3M |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three months through 12 months | RCONA556 | $10K |
Schedule RC-C, Part I: Loans and Leases (49 items)
About Schedule RC-C, Part I · Stellar Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total loans and leases, net of unearned income | RCON2122 | $7.51B |
| Pledged loans and leases | RCONG378 | $5.95B |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA570 | $2.73B |
| Loans secured by owner occupied nonfarm nonresidential properties | RCONF160 | $1.78B |
| Fixed rate and floating rate loans and leases with a remaining maturity of one year or less | RCONA247 | $1.75B |
| Loans secured by other nonfarm nonresidential properties. | RCONF161 | $1.47B |
| Commercial and industrial loans | RCON1766 | $1.32B |
| Commercial and industrial loans to U.S. addressees | RCON1763 | $1.32B |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA572 | $1.08B |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA573 | $1.06B |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA571 | $1.05B |
| All other loans secured by 1-4 family residential properties, secured by first liens | RCON5367 | $1.04B |
| Loans secured by other construction loans and all land development and other land loans | RCONF159 | $876.0M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA574 | $496.2M |
| Real estate loans secured by multi-family (5 or more) residential properties | RCON1460 | $487.5M |
| Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties | RCON5370 | $348.6M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over 15 years | RCONA569 | $288.0M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA567 | $261.3M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA566 | $230.3M |
| Loans to nondepository financial institutions and other loans, loans to nondepository financial institutions | RCONJ454 | $222.1M |
| Loans secured by 1-4 family residential construction | RCONF158 | $104.0M |
| Loans to mortgage credit intermediaries | RCONPV05 | $93.1M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA564 | $85.3M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA565 | $84.5M |
| Other loans to nondepository financial institutions | RCONPV09 | $84.2M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA568 | $81.0M |
| Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit | RCON1797 | $76.8M |
| Loans to finance commercial real estate, construction, and land development activities included in items 1766, 1563 for (fr y-9C), in items 1766, 1563 for (FFIEC 031), in items 1766, 1564 for (FFIEC 032 and 033), and in items 1766, 2080 for (FFIEC 034) | RCON2746 | $65.6M |
| Real estate loans secured by farmland | RCON1420 | $45.0M |
| Loans to business credit intermediaries | RCONPV06 | $36.1M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over 15 years | RCONA575 | $21.0M |
| Obligations (other than securities and leases) of states and political subdivisions in the U.S. | RCON2107 | $20.8M |
| Total loan modifications to borrowers experiencing financial difficulty that are in compliance with their modified terms | RCONHK25 | $20.6M |
| Other consumer loans to individuals for household, family, and other personal expenditures (includes single payment, installment, and all student loans) | RCONK207 | $17.6M |
| Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper), other revolving credit plans | RCONB539 | $16.1M |
| All other loans secured by 1-4 family residential properties, secured by junior liens | RCON5368 | $15.4M |
| Loan modifications to borrowers experiencing financial difficulty - construction, land development, and other land loans, secured by nonfarm nonresidential properties, loans secured by other nonfarm nonresidential properties | RCONK162 | $14.2M |
| Other loans | RCONJ464 | $12.2M |
| Loans to finance agricultural production and other loans to farmers | RCON1590 | $9.9M |
| Automobile loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper) | RCONK137 | $9.2M |
| Loans to consumer credit intermediaries | RCONPV08 | $8.8M |
| Loans for purchasing or carrying securities, including margin loans | RCON1545 | $7.8M |
| Unearned income on loans | RCON2123 | $6.2M |
| Loan modifications to borrowers experiencing financial difficulty - construction, land development, and other land loans, secured by nonfarm nonresidential properties, loans secured by owner-occupied nonfarm nonresidential properties | RCONK161 | $4.8M |
| Loans to nondepository financial institutions and other loans, other loans, all other loans (exclude consumer loans) | RCONJ451 | $4.4M |
| Loan modifications to borrowers experiencing financial difficulty - commercial and industrial loans | RCONK256 | $1.1M |
| Loan modifications to borrowers experiencing financial difficulty - commercial and industrial loans, to U.S. addressees (domicile) | RCONK163 | $1.1M |
| Loan modifications to borrowers experiencing financial difficulty and in compliance with modified terms, loans secured by 1-4 family residential properties in domestic offices | RCONF576 | $507K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $35K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5569 | $593.0M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5575 | $268.2M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5573 | $89.1M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5571 | $65.7M |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5567 | $51.2M |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5565 | $6.1M |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5583 | $4.2M |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5581 | $2.5M |
| Amount currently outstanding of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5587 | $996K |
| Amount currently outstanding of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of $100,000 or less | RCON5585 | $956K |
| Amount currently outstanding of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5589 | $691K |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of $100,000 or less | RCON5579 | $335K |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5570 | 2,161 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5568 | 1,312 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5574 | 999 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5572 | 975 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5566 | 378 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5564 | 107 |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of $100,000 or less | RCON5584 | 50 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5582 | 16 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5580 | 15 |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5586 | 12 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of $100,000 or less | RCON5578 | 8 |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5588 | 4 |
Schedule RC-E: Deposit Liabilities (38 items)
About Schedule RC-E · Stellar Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total demand deposits (see note below) | RCON2210 | $5.21B |
| Total transaction accounts | RCON2215 | $5.21B |
| Total transaction accounts - deposits of individuals, partnerships, and corporation | RCONB549 | $4.03B |
| Total nontransaction accounts (including mmda's) | RCON2385 | $3.53B |
| Total nontransaction accounts deposits of individuals, partnerships, and corporations | RCONB550 | $3.46B |
| Money market deposit accounts (mmda's) | RCON6810 | $2.32B |
| Components of total nontransaction account deposits of individuals, partnerships and corporations, deposits in all other mmdas of individuals, partnerships and corporations | RCONP757 | $1.71B |
| Total transaction accounts - deposits of states and political subdivisions in the U.S. | RCON2203 | $1.17B |
| Components of total nontransaction accounts, total time deposits of more than $250,000 | RCONJ474 | $635.0M |
| Time deposits of more than $250,000 with a remaining maturity of one or year less | RCONK222 | $611.8M |
| Components of total transaction account deposits of individuals, partnerships, and coporations, total deposits in those noninterest-bearing transaction account deposit products intended primarily for individuals for personal, household, or family use | RCONP753 | $489.0M |
| Components of total nontransaction account deposits of individuals, partnerships and corporations, total deposits in those MMDA deposit products intended primarily for individuals for personal, household, or family use | RCONP756 | $487.4M |
| Total reciprocal deposits | RCONJH83 | $486.5M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over three months through 12 months | RCONHK13 | $397.5M |
| Time deposits of 250000 or less with a remaining maturity of one year or less | RCONHK11 | $343.9M |
| Sweep deposits, Fully insured, non-affiliate sweep deposits | RCONMT91 | $319.7M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $319.7M |
| Components of total nontransaction accounts, total time deposits of $100,000 through $250,000 | RCONJ473 | $245.0M |
| Components of total transaction account deposits of individuals, partnerships, and coporations, total deposits in those interest-bearing transaction account deposit products intended primarily for individuals for personal, household, or family use | RCONP754 | $236.0M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three months through 12 months | RCONHK08 | $220.6M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of three months or less | RCONHK12 | $214.3M |
| Other nontransaction savings deposits (excludes mmda's) | RCON0352 | $211.4M |
| Components of total nontransaction account deposits of individuals, partnerships and corporations, total deposits in those other savings deposit account deposit products intended primarily for individuals for personal, household, or family use | RCONP758 | $159.2M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of three months or less | RCONHK07 | $123.3M |
| Total time deposits of less than $100,000 | RCON6648 | $121.4M |
| Total nontransaction accounts of states and political subdivisions in the U.S. | RCON2530 | $66.7M |
| Components of total nontransaction account deposits of individuals, partnerships and corporations, deposits in all other other savings deposits accounts of individuals, partnerships and corporations | RCONP759 | $52.3M |
| All time and savings deposits held in IRA and keogh plan accounts | RCON6835 | $35.6M |
| Individual retirement accounts (iras) and keogh plan accounts included in memorandum item 2.C, 'total time deposits of $100,000 or more,' above | RCONF233 | $17.6M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over one year through three years | RCONHK09 | $15.6M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over three years | RCONHK15 | $13.6M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over one year through three years | RCONHK14 | $9.6M |
| Total transaction accounts - deposits of commercial banks and other depository institutions in the U.S. | RCONB551 | $8.2M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three years | RCONHK10 | $6.9M |
| Total nontransaction accounts of commercial banks and other depository institutions in the U.S. | RCONB552 | $6.8M |
| Selected components of total deposits, brokered deposits of 250000 or less (fully insured brokered deposits) | RCONHK05 | $58K |
| Selected components of total deposits, brokered deposits of 250000 or less with a remaining maturity of one year or less | RCONHK06 | $58K |
| Total brokered deposits | RCON2365 | $58K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Historical cost of all other available-for-sale equity securities | RCON1752 | $67.5M |
| Life insurance assets, general account life insurance assets | RCONK201 | $65.3M |
| Other assets | RCON2168 | $52.5M |
| Life insurance assets, hybrid account life insurance assets | RCONK270 | $44.5M |
| Net deferred tax assets | RCON2148 | $39.8M |
| Accrued interest receivable | RCONB556 | $32.4M |
| First itemized amount that exceeds 25% of all other assets (2168) | RCON3549 | $30.3M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All other liabilities | RCON2938 | $33.1M |
| Other expenses accrued and unpaid | RCON3646 | $28.6M |
| Allowance for credit losses on off-balance sheet credit exposures | RCONB557 | $20.1M |
| Operating lease liabilities | RCONLB56 | $14.7M |
| Interest accrued and unpaid on deposits (in domestic offices) | RCON3645 | $4.3M |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Stellar Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly average of total assets | RCON3368 | $10.95B |
| Quarterly average of total loans | RCON3360 | $7.58B |
| Quarterly average of all other loans secured by real estate | RCON3466 | $4.77B |
| Nontransaction accounts in domestic offices, savings deposits | RCONB563 | $2.54B |
| Transaction accounts (in domestic offices) (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) - quarterly average | RCON3485 | $2.08B |
| Quarterly average of commercial and industrial loans | RCON3387 | $1.59B |
| Mortgage-backed securities | RCONB559 | $1.50B |
| Quarterly average of loans secured by 1-4 family residential properties | RCON3465 | $1.15B |
| Liabilities, nontransaction accounts, time deposits of more than 250000 | RCONHK17 | $632.0M |
| Quarterly average of interest-bearing balances due from depository institutions | RCON3381 | $456.1M |
| All other securities | RCONB560 | $397.2M |
| Liabilities, nontransaction accounts, time deposits of 250000 or less | RCONHK16 | $369.3M |
| Quarterly average of other borrowed money | RCON3355 | $259.8M |
| U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) | RCONB558 | $123.7M |
| Loans to individuals for household, family, and other personal expenditures, other | RCONB562 | $42.0M |
| Quarterly average of federal funds purchased and securities sold under agreements to repurchase | RCON3353 | $24.4M |
| Quarterly average of loans to finance agricultural production and other loans to farmers | RCON3386 | $10.2M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (27 items)
About Schedule RC-L · Stellar Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Notional amounts by regulatory capital treatment, all other positions, purchased protection that is not recognized as a guarantee for regulatory capital purposes | RCONG405 | $18.6M |
| Notional amount of purchased credit protection, subinvestment grade - with remaining maturity of over five years | RCONG417 | $7.6M |
| Notional amount of purchased credit protection, subinvestment grade - with remaining maturity of over one year through five years | RCONG416 | $11.0M |
| Over the counter derivatives, net current credit exposure - banks and securities firms | RCONG418 | $4.4M |
| Over the counter derivatives, net current credit exposure - corporations and all other counterparties | RCONG422 | $5K |
| Commercial real estate, other construction loan and land development loan commitments | RCONF165 | $1.34B |
| All other off-balance sheet liabilities | RCON3430 | $1.21B |
| Standby letters of credit issued by a federal home loan bank on the bank's behalf | RCONC978 | $1.21B |
| Other unused commitments, commercial and industrial loans | RCONJ457 | $755.7M |
| Total gross notional amount of interest rate derivative contracts held for purposes other than trading, contracts marked to market | RCON8725 | $210.2M |
| Interest rate contracts - notional value of all outstanding interest rate swaps | RCON3450 | $204.6M |
| Other unused commitments, Loans to mortgage credit intermediaries | RCONPV12 | $168.2M |
| Other unused commitments, Loans to nondepository financial institutions | RCONPV11 | $168.2M |
| Interest rate swaps where the bank has agreed to pay a fixed rate | RCONA589 | $102.3M |
| Other unused commitments, all other unused commitments | RCONJ459 | $99.4M |
| 1-4 family residential construction loan commitments | RCONF164 | $65.0M |
| Unused commitments - revolving, open-end lines secured by 1-4 family residential properties | RCON3814 | $63.7M |
| Financial standby letters of credit and foreign office guarantees | RCON3819 | $61.6M |
| Credit derivatives, notional amounts-other credit derivatives-beneficiary | RCONC975 | $18.6M |
| Commercial real estate, construction, and land development, commitments to fund loans not secured by real estate | RCON6550 | $8.2M |
| Gross negative fair value of interest rate derivative contracts held for purposes other than trading that are marked to market | RCON8745 | $4.4M |
| Gross positive fair value of interest rate derivative contracts held for purposes other than trading that are marked to market | RCON8741 | $4.4M |
| Purchased OTC interest rate option contracts | RCON8713 | $2.8M |
| Written OTC interest rate option contracts | RCON8709 | $2.8M |
| Commercial and similar letters of credit | RCON3411 | $2.4M |
| Performance standby letters of credit | RCON3821 | $1.2M |
| Notional amount of credit derivatives on which the reporting bank is the beneficiary, gross positive fair value | RCONC221 | $4K |
Schedule RC-M: Memoranda (11 items)
About Schedule RC-M · Stellar Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests | RCON6164 | $149.8M |
| All other intangible assets | RCONJF76 | $61.3M |
| All other real estate owned, nonfarm nonresidential properties in domestic offices | RCON5512 | $5.9M |
| All other real estate owned, multifamily (5 or more) residential properties in domestic offices | RCON5511 | $3.0M |
| All other real estate owned, construction and land development in domestic offices | RCON5508 | $2.4M |
| All other real estate owned, 1-4 family residential properties in domestic offices | RCON5510 | $1.3M |
| Estimated fair value of mortgage servicing assets | RCONA590 | $55K |
| Mortgage servicing assets | RCON3164 | $55K |
| Outstanding balance of PPP loans | RCONLG27 | $17K |
| Number of executive officers, directors, and principal shareholders to whom the amount of all extensions of credit by the reporting bank (including extensions of credit to related interests) equals or exceeds the lesser of $500,000 or 5 percent of total capital as defined for this purpose in agency regulations | RCON6165 | 8 |
| Number of outstanding PPP Loans | RCONLG26 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (37 items)
About Schedule RC-N · Stellar Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total loans and lease finance receivables, nonaccrual | RCON1403 | $52.1M |
| Additions to nonaccrual assets | RCONC410 | $27.7M |
| Total loans and lease financing receivables, past due 30-89 days and still accruing | RCON1406 | $25.1M |
| Loans secured by owner-occupied nonfarm nonresidential properties, nonaccrual | RCONF182 | $23.5M |
| Loans and leases reported in the past due and nonaccrual loans, leases and other assets which are wholly or partially guaranteed by the U.S. government , excluding loans and leases covered by loss-sharing agreements with the FDIC - nonaccrual | RCONK038 | $14.8M |
| Closed-end loans secured by 1-4 family residential properties, secured by first liens-nonaccural | RCONC229 | $13.1M |
| Commercial and industrial loans - nonaccrual | RCON1608 | $9.8M |
| Closed-end loans secured by 1-4 family residential properties, secured by first liens-past due 30 thru 89 days and still accruing | RCONC236 | $6.7M |
| Total loan modifications to borrowers experiencing financial difficulty included in schedule RC-N items 1 through 7 above and not reported in schedule RC-C, part I, memo item 1, nonaccrual | RCONHK28 | $4.7M |
| Loans and leases reported in the past due and nonaccrual loans, leases and other assets which are wholly or partially guaranteed by the U.S. government , excluding loans and leases covered by loss-sharing agreements with the FDIC - past due 30 through 89 days and still accruing | RCONK036 | $4.7M |
| Loans secured by other nonfarm nonresidential properties, 30-89 days past due | RCONF179 | $4.5M |
| Loans secured by owner-occupied nonfarm nonresidential properties, 30-89 days past due | RCONF178 | $4.5M |
| Guaranteed portion of loans and leases included in item 10, excluding rebooked 'GNMA loans', nonaccrual | RCONK041 | $4.0M |
| Loan modifications to borrowers experiencing financial difficulty secured by 1-4 residential properties (in domestic offices) - nonaccrual | RCONF663 | $3.2M |
| Loans to finance commercial real estate, construction, and land development activities - nonaccrual | RCON6560 | $2.8M |
| Commercial and industrial loans - past due 30-89 days and still accruing | RCON1606 | $2.7M |
| Other construction loans and all land development and other land loans, past due 31 - 89 days | RCONF173 | $2.4M |
| Loans secured by real estate (in domestic offices), secured by multifamily (5 or more) residential properties - nonaccrual | RCON3501 | $2.3M |
| Loans secured by 1-4 family residential properties, revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit - past due 30 through 89 days and still accruing | RCON5398 | $1.5M |
| Loans secured by real estate (in domestic offices), secured by multifamily (5 or more) residential properties - past due 30 through 89 days and still accruing | RCON3499 | $1.4M |
| Loans secured by other nonfarm nonresidential properties, nonaccrual | RCONF183 | $1.2M |
| Loan modifications to borrowers experiencing financial difficulty, commercial and industrial loans - nonaccrual | RCONK259 | $1.1M |
| Loan modifications to borrowers experiencing financial difficulty, commercial and industrial loans - to US addressees - nonaccrual | RCONK122 | $1.1M |
| Loans secured by 1-4 family residential properties, revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit - nonaccrual | RCON5400 | $809K |
| Other construction loans and all land development and other land loans, nonaccrual | RCONF177 | $645K |
| Loans secured by real estate (in domestic offices), secured by farmland - past due 30 through 89 days and still accruing | RCON3493 | $509K |
| Closed-end loans secured by 1-4 family residential properties, secured by junior liens-nonaccural | RCONC230 | $478K |
| All other loans - past due 30 through 89 days and still accruing | RCON5459 | $441K |
| Loan modifications to borrowers experiencing financial difficulty other construction loans and all land development and other land loans-nonaccrual | RCONK110 | $392K |
| Loans to nondepository financial institutions included in schedule RC-N, item 7 - past due 30 through 89 days and still accruing | RCONPV23 | $387K |
| 1-4 family residential construction loans, past due 31 - 89 days | RCONF172 | $377K |
| 1-4 family residential construction loans, nonaccrual | RCONF176 | $292K |
| Guaranteed portion of loans and leases included in item 10, excluding rebooked 'GNMA loans' past due 30 through 89 days and still accruing | RCONK039 | $188K |
| Loans to finance agricultural production and other loans to farmers - past due 30-89 days and still accruing | RCON1594 | $54K |
| Loans to individuals for household, family and other personal expenditures, automobile loans - past due 30 through 89 days and still accruing | RCONK213 | $24K |
| Loans to individuals for household, family and other personal expenditures, other - past due 30 through 89 days and still accruing | RCONK216 | $23K |
| Loans to individuals for household, family and other personal expenditures, other - nonaccrual | RCONK218 | $19K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (19 items)
About Schedule RC-O · Stellar Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average consolidated total assets for the calendar quarter | RCONK652 | $10.95B |
| Total deposit liabilities as defined in section 3(1) of the federal deposit insurance act before exclusions | RCONF236 | $8.74B |
| Amount of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF051 | $6.28B |
| Estimated amount of uninsured assessable deposits in domestic offices of the bank and in insured branches in puerto rico and U.S. territories and possessions, including related interest accrued and unpaid | RCON5597 | $5.11B |
| Amount of deposit accounts (excluding retirement accounts) of $250,000 or less | RCONF049 | $2.43B |
| Average tangible equity for the calendar quarter | RCONK654 | $1.14B |
| Total unfunded commitments to fund construction, land development, and other land loans secured by real estate | RCONK676 | $1.10B |
| Nonbrokered time deposits of more than $250,000 in domestic offices | RCONK678 | $635.0M |
| Portion of funded loans and securities guaranteed or insured by the U.S. government (including FDIC loss-sharing agreements) - loans secured by multifamily residential and nonfarm nonresidential properties | RCONN178 | $90.8M |
| Portion of funded loans and securities guaranteed or insured by the U.S. government (including FDIC loss-sharing agreements) - commercial and industrial loans | RCONN181 | $47.5M |
| Amount of retirement deposits accounts of $250,000 or less | RCONF045 | $30.2M |
| Amount of retirement deposit accounts of more than $250,000 | RCONF047 | $5.6M |
| Portion of loan modifications to borrowers experiencing financial difficulty that are in compliance with their modified terms and are guaranteed or insured by the U.S. government (including the FDIC) (included in schedule RC-C, part I | RCONL189 | $3.4M |
| Portion of funded loans and securities guaranteed or insured by the U.S. government (including FDIC loss-sharing agreements), construction, land development, and other land loans secured by real estate | RCONN177 | $1.1M |
| Number of deposit accounts (excluding retirement accounts)of $250,000 or less | RCONF050 | 94,843 |
| Number of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF052 | 4,726 |
| Number of retirement deposit accounts of $250,000 or less | RCONF046 | 976 |
| Number of retirement deposit accounts of more than $250,000 | RCONF048 | 13 |
| Averaging method used | RCONK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (17 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total assets measured at fair value on a recurring basis - total fair value reported on schedule RC | RCONG502 | $1.33B |
| Total assets measured at fair value on a recurring basis - level 2 fair value measurements | RCONG505 | $1.33B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $1.32B |
| Available-for-sale securities - level 2 fair value measurements | RCONG476 | $1.32B |
| All other assets (itemize and describe amounts included in schedule RC-Q, item 6, that are greater than $100,000 and exceed 25% of item 6), nontrading derivative assets - total fair value reported on schedule RC | RCONG541 | $4.4M |
| All other assets - total fair value reported on schedule RC | RCONG391 | $4.4M |
| All other assets (itemize and describe amounts included in schedule RC-Q, item 6, that are greater than $100,000 and exceed 25% of item 6), nontrading derivative assets - level 2 fair value measurements | RCONG544 | $4.4M |
| All other assets - level 2 fair value measurements | RCONG396 | $4.4M |
| All other liabilities (itemize and describe amounts included in schedule RC-Q, item 13, that are greater than $100,000 and exceed 25% of item 13), nontrading derivative liabilities - level 2 fair value measurements | RCONG569 | $4.4M |
| All other liabilities (itemize and describe amounts included in schedule RC-Q, item 13, that are greater than $100,000 and exceed 25% of item 13), nontrading derivative liabilities - total fair value reported on schedule RC | RCONG566 | $4.4M |
| All other liabilities - level 2 fair value measurements | RCONG808 | $4.4M |
| All other liabilities - total fair value reported on balance sheet | RCONG805 | $4.4M |
| Total liabilities measured at fair value on a recurring basis - level 2 fair value measurements | RCONG534 | $4.4M |
| Total liabilities measured at fair value on a recurring basis - total fair value reported on schedule RC | RCONG531 | $4.4M |
| All other assets (itemize and describe amounts included in schedule RC-Q, item 6, that are greater than $100,000 and exceed 25% of item 6), nontrading derivative assets - level 3 fair value measurements | RCONG545 | $4K |
| All other assets - level 3 fair value measurements | RCONG804 | $4K |
| Total assets measured at fair value on a recurring basis - level 3 fair value measurements | RCONG506 | $4K |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Stellar Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve - 100% | RCONB704 | $8.51B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Stellar Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $10.95B |
| Average total assets (net of deductions) | RCOAA224 | $10.39B |
| Risk-weighted assets (net of allowances and other deductions) | RCOAA223 | $8.51B |
| Common equity tier 1 capital before adjustments and deductions | RCOAP840 | $1.58B |
| Common equity tier 1 capital, common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP) shares | RCOAP742 | $1.29B |
| Total qualifying capital allowable under the risk-based capital guidelines | RCOA3792 | $1.19B |
| Common equity tier 1 capital | RCOAP859 | $1.09B |
| Subtotal of common equity tier 1 capital, adjustments and deductions | RCOAP852 | $1.09B |
| Tier 1 capital allowable under the risk-based capital guidelines | RCOA8274 | $1.09B |
| Less, deductions from common equity tier 1 capital and additional tier 1 capital (sum of items 6, 7, 8, 10.B, 11, 13 through 17 and certain elements of item 24 - see instructions) | RCOAP875 | $558.6M |
| Goodwill net of associated deferred tax liabilities (dtls) | RCOAP841 | $497.3M |
| Retained Earnings | RCOAKW00 | $358.0M |
| General loan and lease valuation allowances | RCOA5310 | $102.8M |
| Tier 2 (supplementary) capital | RCOA5311 | $102.8M |
| Tier 2 capital before deductions | RCOAP870 | $102.8M |
| Accumulated other comprehensive income | RCOAB530 | -$65.9M |
| Less, net unrealized gains (losses) on available-for-sale debt securities (if a gain, report as a positive value, if a loss, report as a negative value) | RCOAP844 | -$65.9M |
| Intangible assets (other than goodwill and mortgage servicing assets (msas)), net of associated dtls | RCOAP842 | $61.3M |
| A. AOCI opt-out election (enter '1' for yes, enter '0' for no.) | RCOAP838 | 1 |
| Total risk-based capital ratio | RCOA7205 | 0.1399 |
| Common equity tier 1 capital ratio | RCOAP793 | 0.1279 |
| Tier 1 risk-based capital ratio | RCOA7206 | 0.1279 |
| Tier 1 leverage capital ratio | RCOA7204 | 0.1048 |
| Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary bonus payments, capital conservation buffer | RCOAH311 | 0.0599 |
Schedule RC-R, Part II: Risk-Weighted Assets (82 items)
About Schedule RC-R, Part II · Stellar Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted assets for purposes of calculating the allowance for loan and lease losses 1.25 percent threshold | RCONS580 | $8.51B |
| Total risk-weighted assets | RCONG641 | $8.51B |
| Risk-weighted assets by risk-weighted category - 100 pct risk weight category | RCONG637 | $7.55B |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 100 pct risk weight category | RCONG633 | $7.55B |
| Total balance sheet assets - 100 pct risk weight category | RCOND990 | $6.43B |
| Total loans and leases, net of unearned income, all other exposures | RCONS457 | $6.29B |
| Loans and leases, net of unearned income, all other exposures - 100 pct risk weight category | RCONS462 | $6.03B |
| Unused commitments, original maturity exceeding one year - face, notional, or other amount | RCONG624 | $1.99B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $1.32B |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 20 pct risk weight category | RCONG631 | $1.24B |
| Total balance sheet assets - 20 pct risk weight category | RCOND988 | $1.24B |
| Total loans and leases, net of unearned income, residential mortgage exposures | RCONS439 | $1.16B |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 50 pct risk weight category | RCONG632 | $1.15B |
| Total balance sheet assets - 50 pct risk weight category | RCOND989 | $1.15B |
| Loans and leases, net of unearned income, residential mortgage exposures - 50 pct risk weight category | RCONS442 | $1.12B |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 0 pct risk weight category | RCONG630 | $1.11B |
| Total balance sheet assets - 0 pct risk weight category | RCOND987 | $1.09B |
| Unused commitments, original maturity exceeding one year - 100 pct risk weight category | RCONG629 | $992.7M |
| Unused commitments, original maturity exceeding one year - credit equivalent amount | RCONG625 | $992.7M |
| Available-for-sale securities - 20 pct risk weight category | RCOND968 | $976.2M |
| Total all other assets | RCOND981 | $970.9M |
| Total cash and balances due from depository institutions | RCOND957 | $681.7M |
| Cash and balances due from depository institutions - 0 pct risk weight category | RCOND958 | $580.1M |
| Risk-weighted assets by risk-weighted category - 50 pct risk weight category | RCONG636 | $572.8M |
| All other assets - adjustments to totals reported in column a | RCONS469 | $558.6M |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, face, notional or other amount | RCONS525 | $395.4M |
| Total balance sheet assets - adjustments to total reported in column a | RCONS500 | $392.2M |
| Available-for-sale securities - 0 pct risk weight category | RCOND967 | $345.4M |
| All other assets - 100 pct risk weight category | RCOND985 | $300.8M |
| Risk-weighted assets by risk-weighted category - 20 pct risk weight category | RCONG635 | $248.7M |
| Notional principal amounts of over-the-counter derivate contracts, interest rate - over one year through five years | RCONS583 | $140.1M |
| Loans and leases, net of unearned income, all other exposures - 20 pct risk weight category | RCONS460 | $135.4M |
| Loans and leases, net of unearned income, all other exposures - 0 pct risk weight category | RCONS459 | $122.9M |
| Cash and balances due from depository institutions - 20 pct risk weight category | RCOND959 | $101.6M |
| Risk-weighted assets by risk-weighted category - 150 pct risk weight category | RCONS572 | $88.6M |
| Available-for-sale securities - adjustment to totals reported in column a | RCONS402 | -$83.4M |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, 100% | RCONS530 | $79.1M |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, credit equivalent amount | RCONS526 | $79.1M |
| Financial standby letters of credit - credit equivalent amount | RCOND992 | $61.6M |
| Financial standby letters of credit - face, notional, or other amount | RCOND991 | $61.6M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 150 pct risk weight category | RCONS561 | $59.1M |
| Total balance sheet assets - 150 pct risk weight category | RCONS503 | $59.1M |
| Available-for-sale securities - 100 pct risk weight category | RCOND970 | $58.8M |
| Total loans and leases, net of unearned income, exposures past due 90 days or more or on nonaccrual | RCONS449 | $52.1M |
| Financial standby letters of credit - 100 pct risk weight category | RCOND996 | $48.8M |
| Loans and leases, net of unearned income, exposures past due 90 days or more or on nonaccrual - 150 pct risk weight category | RCONS455 | $48.1M |
| All other assets, separate account bank-owned life insurance - application of other risk weighting approaches exposure amount | RCONH296 | $44.5M |
| All other assets, separate account bank-owned life insurance - application of other risk weighting approaches risk-weighted asset amount | RCONH297 | $44.5M |
| Total balance sheet assets - other risk weighting approaches exposure amount | RCONH300 | $44.5M |
| Loans and leases, net of unearned income, residential mortgage exposures - 100 pct risk weight category | RCONS443 | $44.3M |
| Notional principal amounts of over-the-counter derivate contracts, interest rate - over five years | RCONS584 | $40.6M |
| All other assets - 0 pct risk weight category | RCOND982 | $39.8M |
| Available-for-sale securities - 50 pct risk weight category | RCOND969 | $27.6M |
| Notional principal amounts of over-the-counter derivate contracts, interest rate - one year or less | RCONS582 | $26.7M |
| All other assets - 20 pct risk weight category | RCOND983 | $26.4M |
| Financial standby letters of credit - 0 pct risk weight category | RCOND993 | $12.8M |
| Loans and leases, net of unearned income, high volatility commercial real estate exposures - 150 pct risk weight category | RCONS447 | $11.0M |
| Total loans and leases, net of unearned income, high volatility commercial real estate exposures | RCONS445 | $11.0M |
| Notional principal amounts of over-the-counter derivate contracts, credit non--investment grade reference asset - over one year through five years | RCONS592 | $11.0M |
| Notional principal amounts of over-the-counter derivate contracts, credit non--investment grade reference asset - over five years | RCONS593 | $7.6M |
| Over-the-counter derivatives - credit equivalent amount | RCONS542 | $7.6M |
| Over-the-counter derivatives - 0 pct risk weight category | RCONS543 | $5.1M |
| Current credit exposure across all derivative contracts covered by the regulatory capital rules | RCONG642 | $4.4M |
| Loans and leases, net of unearned income, exposures past due 90 days or more or on nonaccrual - 20 pct risk weight category | RCONS452 | $4.0M |
| Over-the-counter derivatives - 100 pct risk weight category | RCONS547 | $2.5M |
| Commercial and similar letters of credit with an original maturity of one year or less - face, notional, or other amount | RCONG606 | $2.4M |
| Risk-weighted assets by risk-weighted category - 400 pct risk weight category | RCONS575 | $2.1M |
| Performance standby letters of credit and transaction-related contingent items - face, notional, or other amount | RCOND997 | $1.2M |
| Performance standby letters of credit and transaction-related contingent items - 0 pct risk weight category | RCOND999 | $594K |
| Performance standby letters of credit and transaction-related contingent items - credit equivalent amount | RCOND998 | $594K |
| All other assets - 400 pct risk weight category | RCONS470 | $526K |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 400 pct risk weight category | RCONS564 | $526K |
| Total balance sheet assets - 400 pct risk weight category | RCONS506 | $526K |
| Commercial and similar letters of credit with an original maturity of one year or less - credit equivalent amount | RCONG607 | $481K |
| Commercial and similar letters of credit with an original maturity of one year or less - 100 pct risk weight category | RCONG611 | $403K |
| Amount of allowances for credit losses on purchased credit-deteriorated assets - Loans and leases held for investment | RCONJJ30 | $350K |
| All other assets - 50 pct risk weight category | RCOND984 | $268K |
| Risk-weighted assets by risk-weighted category - 250 pct risk weight category | RCONS573 | $135K |
| Commercial and similar letters of credit with an original maturity of one year or less - 0 pct risk weight category | RCONG608 | $78K |
| All other assets - 250 pct risk weight category | RCONH293 | $54K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $54K |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 250 pct risk weight category | RCONS562 | $54K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding principal balance of loans other than 1-4 family residential mortgage loans that are serviced for others | RCONA591 | $66.9M |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance end of previous calendar year as restated | RIADB508 | $1.64B |
| Equity capital, most recently reported for the end of previous calendar year (i.e., after adjustments from amended reports of income) | RIAD3217 | $1.64B |
| Total equity capital | RIAD3210 | $1.58B |
| Cash dividends declared on common stock | RIAD4460 | $29.5M |
| Other comprehensive income | RIADB511 | $7.1M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (10 items)
About Schedule RI-B, Part I · Stellar Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on allowance for loan and lease losses | RIAD4635 | $5.7M |
| Charge-offs on commercial and industrial loans | RIAD4638 | $4.7M |
| Loans secured by owner-occupied nonfarm nonresidential properties, charge-offs | RIADC895 | $789K |
| Recoveries on allowance for loan and lease losses | RIAD4605 | $371K |
| Recoveries on commercial and industrial loans | RIAD4608 | $325K |
| Charge-offs on loans secured by multifamily (5 or more) residential properties | RIAD3588 | $204K |
| Recoveries on closed-end loans secured by 1-4 family residential properties, secured by first liens | RIADC217 | $42K |
| Charge-offs all other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADK205 | $33K |
| Recoveries all other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADK206 | $4K |
| Charge-offs on closed-end loans by 1-4 family residential properties, secured by first liens | RIADC234 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (5 items)
About Schedule RI-B, Part II · Stellar Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance most recently reported for the december 31, 2000, reports of condition and income(i.e., after adjustments from amended report of income) | RIADB522 | $83.6M |
| Allowance for loan and lease losses | RIAD3123 | $83.0M |
| Charge-offs on allowance for loan and lease losses | RIADC079 | $5.7M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $3.9M |
| Adjustments | RIADC233 | -$179K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $7.51B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $3.78B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $1.57B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $1.14B |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $980.0M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $83.0M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $42.9M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $31.4M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $31.3M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $17.2M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $3.0M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $128K |
Schedule RI-E: Explanations (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data processing expenses | RIADC017 | $12.0M |
| Automated teller machine (ATM) and interchange expense | RIADF558 | $5.1M |
| Earnings on/increase in value of cash surrender value of life insurance | RIADC014 | $2.0M |
| Third itemized amount that exceeds 10% of all other noninterest income (5408) | RIAD4463 | $1.5M |
| Second itemized amount that exceeds 10% of all other noninterest income (5408) | RIAD4462 | $1.5M |
| Bank card and credit card interchange fees | RIADF555 | $1.2M |
| First itemized amount that exceeds 10% of all other noninterest income (5408) | RIAD4461 | $666K |
Stellar Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Stellar Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 58629) · FFIEC NIC profile (RSSD 3579589)