Stellar Bank
Houston, Texas, Harris County
$10.4B in total assets, the 160th largest of 4,309 US banks and 11th of 352 headquartered in Texas.
- FDIC certificate
- 58629
- Established
- 2007
- Owned by
- Stellar Bcorp Inc
- Primary regulator
- FED
At a glance
Compared with 11 banks headquartered in Texas with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $10.4B | 18% | $15.2B | |
| Loans | $7.5B | 36% | $9.3B | |
| Deposits | $8.7B | 9% | $13.3B | |
| Return on assets | 0.22% | 2% | 1.43% | |
| Net interest margin | 4.43% | 82% | 3.52% | |
| Efficiency ratio | 92.0% | 98% | 49.6% | |
| Equity to assets | 15.20% | 82% | 10.75% | |
| Loans to deposits | 86% | 73% | 79% |
Growth
Total assets grew 9.9% a year over the last 5 years and 16.0% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2022 | CommunityBank of Texas, N.A. Beaumont, TX, an affiliate under the same holding company | $4.3B |
| Oct 2018 | Post Oak Bank, N.A. Houston, TX | $1.5B |
| Jan 2015 | Enterprise Bank Houston, TX | $570M |
| Nov 2013 | Independence Bank, National Association Houston, TX | $221M |
Where they operate
0 branches in 0 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Harris County, TX | $4.9B | 1.6% | 8 of 87 |
| Jefferson County, TX | $2.5B | 41.8% | 1 of 18 |
| Fort Bend County, TX | $537M | 2.6% | 11 of 45 |
| Montgomery County, TX | $136M | 0.7% | 17 of 36 |
| Dallas County, TX | $131M | 0.0% | 72 of 109 |
| Waller County, TX | $88M | 23.8% | 2 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 18 branches since 2016 (18 to 0, −100.0%). 2 opened, 44 acquired, 64 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 18 | |||
| 2016 | Sold 2 branches to Incommons Bank, N.A. | 0 | 2 | −2 | 16 |
| 2018 | Acquired Post Oak Bank, N.A.Closed Houston | 12 | 1 | +11 | 27 |
| 2019 | Opened Sugar LandClosed Houston | 1 | 1 | 0 | 27 |
| 2020 | Opened Houston | 1 | 0 | +1 | 28 |
| 2021 | Closed Houston | 0 | 1 | −1 | 27 |
| 2022 | Acquired CommunityBank of Texas, N.A.Closed Houston | 32 | 1 | +31 | 58 |
| 2023 | Closed 4 in Texas | 0 | 4 | −4 | 54 |
| 2025 | Closed Houston | 0 | 2 | −2 | 52 |
| 2026 through Q2 | Closed 52 in Texas | 0 | 52 | −52 | 0 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 43% | 20% | |
| Business (C&I) | 18% | 18% | |
| 1-4 family residential | 15% | 21% | |
| Construction and land | 13% | 9% | |
| Multifamily | 6% | 6% | |
| Farmland | 1% | 1% | |
| Consumer | 1% | 4% | |
| Agricultural | 0% | 1% | |
| Other | 3% | 21% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 52% | 65% | |
| Noninterest-bearing | 37% | 24% | |
| Time deposits | 11% | 11% |
Brokered deposits are 0.0% of deposits (peers 2.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.64% | 0.83% |
| Net charge-offs, annualized | 0.14% | 0.15% |
| Reserves to loans | 1.10% | 1.26% |
| Leverage ratio | 10.48% | 10.67% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Harris County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/stellar