Bank Safety Analysis
Stellar Bank: final safety record
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Return on assets dropped 3.50 percentage points in Q2 2026, from 1.13% to -2.37%. It was the largest change from Q1 2026 among the key lines here. At 12.79%, Stellar Bank's CET1 ratio is close to the 12.96% median for banks in the $10B-100B asset tier (Q2 2026). From Q3 2023 to Q2 2026, Stellar Bank's CET1 ratio ranged between 11.80% (Q3 2023) and 14.27% (Q3 2025) and its Texas ratio ranged between 2.93% (Q3 2024) and 5.84% (Q1 2026). Between Q2 2025 and Q2 2026, Stellar Bank's CET1 ratio fell from 14.18% to 12.79%, nonperforming loan ratio (nonaccrual plus 90+ days past due) held at 0.69%, Texas ratio rose from 4.96% to 5.48% and return on assets fell from 1.11% to -2.37%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $10B to $100B (136 banks) · Industry averages as of Q2 2026.
CET1 of 12.79% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 10.48% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.69% are within industry-normal range.
Texas Ratio of 5.5% is well below the 100% historical failure threshold.
Efficiency ratio of 125.0% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 12.79% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 5.48% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.69% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 58.47% | Watch at 50%, concern at 70% | Flagged |
| Loan-to-deposit ratio BankRegReports band | 85.96% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 256.01% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 12.79% |
| Q1 2026 | 13.56% |
| Q4 2025 | 13.83% |
| Q3 2025 | 14.27% |
| Q2 2025 | 14.18% |
| Q1 2025 | 14.20% |
| Q4 2024 | 14.13% |
| Q3 2024 | 13.58% |
| Q2 2024 | 13.08% |
| Q1 2024 | 12.61% |
| Q4 2023 | 12.20% |
| Q3 2023 | 11.80% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 5.48% |
| Q1 2026 | 5.84% |
| Q4 2025 | 4.93% |
| Q3 2025 | 4.58% |
| Q2 2025 | 4.96% |
| Q1 2025 | 4.91% |
| Q4 2024 | 3.11% |
| Q3 2024 | 2.93% |
| Q2 2024 | 5.06% |
| Q1 2024 | 5.53% |
| Q4 2023 | 3.85% |
| Q3 2023 | 3.99% |
Stellar Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 12.79% | 0.69% | 5.48% | -2.37% |
| Mar 31, 2026 | 13.56% | 0.80% | 5.84% | 1.13% |
| Dec 31, 2025 | 13.83% | 0.72% | 4.93% | 1.07% |
| Sep 30, 2025 | 14.27% | 0.65% | 4.58% | 1.07% |
| Jun 30, 2025 | 14.18% | 0.69% | 4.96% | 1.11% |
| Mar 31, 2025 | 14.20% | 0.75% | 4.91% | 1.02% |
| Dec 31, 2024 | 14.13% | 0.50% | 3.11% | 1.03% |
| Sep 30, 2024 | 13.58% | 0.43% | 2.93% | 1.34% |
| Jun 30, 2024 | 13.08% | 0.66% | 5.06% | 1.20% |
| Mar 31, 2024 | 12.61% | 0.72% | 5.53% | 1.03% |
| Dec 31, 2023 | 12.20% | 0.49% | 3.85% | 1.06% |
| Sep 30, 2023 | 11.80% | 0.48% | 3.99% | 1.19% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 58629) · FFIEC NIC profile (RSSD 3579589)
Explore: Full Stellar Bank profile · Other banks in TX · Metric glossary · How the call report works