Stellar Bank (FDIC #58629): Bank Stress & Real-Estate Credit Exposure
Stellar Bank (FDIC Cert #58629): bank stress 71/100, elevated, STABLE over 7 days; parent STELLAR BCORP INC.
Stellar Bank (#58629) lends in 14 counties across 1 state; Stellar Bank (#58629) reaches 367 ZIP codes: Texas 14 counties, 367 ZIPs.
Stellar Bank (#58629) largest markets: Harris County, TX (3,575 branches, 143 ZIPs) (#58629), Dallas County, TX (95 branches, 95 ZIPs) (#58629), Fort Bend County, TX (105 branches, 35 ZIPs) (#58629), Montgomery County, TX (54 branches, 27 ZIPs) (#58629), Jefferson County, TX (126 branches, 18 ZIPs) (#58629), Liberty County, TX (15 branches, 15 ZIPs) (#58629).
Stellar Bank (#58629) reports $10.40 billion in total assets; Stellar Bank (#58629) equity $1.58 billion (15.2% of Stellar Bank (#58629) assets); Stellar Bank (#58629) domestic deposits $8.74 billion; Stellar Bank (#58629) net income minus $33.3 million; Stellar Bank (#58629) return on assets -0.62%; Stellar Bank (#58629) return on equity -4.12%; Stellar Bank (#58629) net interest income $213.3 million; Stellar Bank (#58629) call report June 30, 2026.
Stellar Bank (#58629) noncurrent real-estate loans 0.03% of its book; Stellar Bank (#58629) multifamily 0.09%; Stellar Bank (#58629) residential 0.05%; Stellar Bank (#58629) net charge-offs on real estate 0.72%; Stellar Bank (#58629) commercial charge-offs 4.31%; Stellar Bank (#58629) multifamily charge-offs 0.47%; Stellar Bank (#58629) residential charge-offs 0.76%.
Stellar Bank (#58629) net interest margin 4.43% against an eight-quarter Stellar Bank (#58629) average of 4.31% (Stellar Bank (#58629) compression -0.13 points); Stellar Bank (#58629) real-estate loans 3.3% of equity; Stellar Bank (#58629) commercial real estate 430.6% of equity; Stellar Bank (#58629) non-residential real estate 76.0% of equity; Stellar Bank (#58629) rate-exposure score 83/100, Stellar Bank (#58629) fixed-rate trap 83/100; Stellar Bank (#58629) risk type cre heavy; Stellar Bank (#58629) rate regime rates elevated, Stellar Bank (#58629) snapshot October 19, 2026.
Stellar Bank (#58629) stress score moved from 48 on June 22, 2026 to 71 on October 19, 2026; Stellar Bank (#58629) ranged 48 to 71 over 116 snapshots.
Stellar Bank (#58629) alerts: 14 counties; top Stellar Bank (#58629) alert scores: Dallas County, TX 38 (moderate); Newton County, TX 27 (low); Anahuac County, TX 22 (low); Brookshire County, TX 22 (low); Dayton County, TX 22 (low).