Stellar Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Stellar Bank of Houston, TX against its peer group of 127 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $10B to $100B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | -2.37% | 1.32% | -3.69% | 1st worst quarter |
| ROAE | -16.19% | 11.13% | -27.32% | 1st worst quarter |
| Net Interest Margin | 4.21% | 3.63% | +0.58% | 86th best quarter |
| Efficiency Ratio | 124.98% | 53.30% | +71.68% | 100th worst quarter |
| PPNR / Avg Assets | -1.22% | 1.82% | -3.04% | 0th worst quarter |
| Yield on Earning Assets | 5.78% | 5.36% | +0.42% | 79th |
| Cost of Funds | 1.74% | 1.92% | -0.18% | 39th better half |
| Net Interest Spread | 3.00% | 2.97% | +0.03% | 52nd better half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.69% | 0.68% | +0.01% | 52nd worse half |
| NPA / Total Assets | 0.62% | 0.49% | +0.13% | 63rd worse half |
| NCO / Avg Loans | 0.21% | 0.13% | +0.08% | 69th worse half |
| ACL / Total Loans | 1.10% | 1.14% | -0.04% | 43rd |
| ACL / NPLs (Coverage) | 159.19% | 173.33% | -14.14% | 43rd worse half |
| Texas Ratio | 5.48% | 4.21% | +1.27% | 67th worse half |
| Provision / NCO | 158.63% | 112.90% | +45.73% | 73rd |
| CRE / Total Capital | 256.01% | 219.38% | +36.63% | 66th worse half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 12.79% | 12.98% | -0.19% | 44th worse half |
| Tier 1 Ratio | 12.79% | 12.99% | -0.20% | 43rd worse half |
| Total Capital Ratio | 13.99% | 14.14% | -0.15% | 43rd worse half |
| Leverage Ratio | 10.48% | 10.25% | +0.23% | 57th better half |
| Equity / Assets | 15.20% | 11.59% | +3.61% | 91st best quarter |
| TCE / Tangible Assets | 10.38% | 9.57% | +0.81% | 75th better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 85.96% | 86.95% | -0.99% | 46th |
| Core Deposit Ratio | 92.73% | 90.68% | +2.05% | 61st better half |
| Uninsured Deposit Ratio | 58.47% | 38.56% | +19.91% | 96th worst quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.83% | 5.89% | -6.72% | 10th |
| Loan Growth (Y/Y) | 3.06% | 6.32% | -3.26% | 26th |
| Deposit Growth (Y/Y) | 0.18% | 5.69% | -5.51% | 16th |
See Stellar Bank's peers by name
The 127 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Stellar Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Stellar Bank peer analysis.