FDIC Cert #58629 · Houston, Texas · Est. 2007

Stellar Bank - FDIC Bank Health Profile

A community-scale look at Stellar Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$10.8B
Total assets
A
Health grade · Excellent
1.07%
Return on assets
13.8%
Tier 1 capital

Data updated July 2026

The verdict

Stellar Bank earns a PlainBankData health grade of A (87/100), with well-capitalized at 13.83% Tier 1, profitable at 1.07% ROA, efficient (60% cost ratio).

#149
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
13.83%
Tier 1 ratio - above the 10% well-capitalized line
48th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 58629 · TX A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1158/4307
  • PHOTO-FINISH FVCbank · VA
  • TIER1-WELL 13.8% Tier 1
  • TEXAS-CLEAN 3.1% Texas
  • ROA-PAR 1.07% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: FVCbank, VA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Stellar Bank

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Central Flor… · FL ·…87/100Coastal Carolina Nat… · SC ·…87/100FVCbank · VA · near87/100Gold Coast Bank · IL · near87/100Stellar Bank · TX · this bank87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Stellar Bank · July 2026

Call Report read for Stellar Bank in a high-failure state

Stellar Bank (FDIC Cert #58629) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,158 of 4,307. Tier 1 capital prints at 13.83%, clearing the 10% well-capitalized line. The Texas Ratio is 3.05%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.07%. Balance-sheet scale is $10.8B, 149th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is FVCbank (VA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Stellar Bank

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Stellar Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Stellar Bank's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How Stellar Bank's 87/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10087/100
Stellar Bank's composite health score
Tier 1 Capital Ratio (13.83%) 35/40
Return on Assets (ROA) (1.07%) 20/25
Texas Ratio (3.05%) 20/20
Efficiency Ratio (59.50%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$10.8B

Total balance-sheet footings

Total Deposits

$9.1B

Customer-funded liabilities

Net Loans

$7.2B

Outstanding loan book

Net Income

$114M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.43% 13.83% 15.23%
Basel III capital ratios - Stellar Bank

Where Stellar Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Stellar Bank's score of 87/100 falls in the highlighted band.

Stellar Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 27% higher than 73% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Stellar Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Stellar Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Stellar Bank's $10.8B falls in the highlighted band.

Capital & credit buffers at Stellar Bank

Tier 1 capital ratio
Well-capitalized 10%

13.83% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.83%
Texas Ratio
3.05%
Equity Capital
$1.6B

What these ratios mean →

Earnings posture at Stellar Bank

Return on Assets (ROA)
48th percentile nationally
1.07%
Return on Equity (ROE)
7.02%
Efficiency Ratio
59.50%

What these mean →

Income & expense at Stellar Bank

$574M
Interest Income
$22M
Non-Interest Income
$276M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Stellar Bank reports a Texas Ratio of 3.05% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.05% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Stellar Bank on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Stellar Bank by assets

Measured strictly by total assets rather than geography, Stellar Bank's closest national peers include Washington Trust Bank, Columbia Bank, EagleBank, Charles Schwab Trust Bank, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Texas. Averaged across this asset-matched cohort, return on assets runs 0.56% (Stellar Bank is above that at 1.07%), the efficiency ratio averages 49.13% (Stellar Bank runs higher at 59.50%), and Tier 1 capital averages 23.28% (Stellar Bank holds less at 13.83%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $10.8B in assets, Stellar Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Stellar Bank nationally by total assets
  1. 1
    Washington Trust Bank $10.7B

    Spokane, WA · Grade B

  2. 2
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

  3. 3
    EagleBank $10.4B

    Bethesda, MD · Grade C

  4. 4
    Charles Schwab Trust Bank $10.4B

    Westlake, TX · Grade A

  5. 5
    Bank Hapoalim B.M. $10.2B

    New York, NY · Grade F

  6. 6
    LendingClub Bank $11.5B

    Lehi, UT · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Stellar Bank (this bank) TX $10.8B 1.07% 59.50% 13.83%
Washington Trust Bank WA $10.7B 0.89% 71.60% 11.68%
Columbia Bank NJ $11.0B 0.48% 69.77% 13.20%
EagleBank MD $10.4B -1.20% 63.82% 13.35%
Charles Schwab Trust Bank TX $10.4B 1.97% 27.05% 85.96%
Bank Hapoalim B.M. NY $10.2B 0.00% 0.00% 0.00%
LendingClub Bank, National Association UT $11.5B 1.22% 62.52% 15.47%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($10.8B here), outside Texas so the neighborhood is not state containment.

Washington Trust Bank $10.7B · WA Columbia Bank $11.0B · NJ EagleBank $10.4B · MD Bank Hapoalim B.M. $10.2B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Stellar Bank (FDIC Cert #58629) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Stellar Bank Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%