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Stellar Bank
Houston, TX·FDIC Cert #58629·Charter: STATE·Est. 20071015.0·HC: STELLAR BCORP INC
Total Assets
$10.8B
Q4 2025
Return on Assets
1.07%
+0.00%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
59.50%
Peer avg: 55.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.07%+0.00
ROE
7.02%+0.01
Efficiency
59.50%-0.20
Equity/Assets
0.00%+0.00
NPL Ratio
0.73%+0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
79.54%-0.23
Charge-offs
0.05%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.1 | 1.2 | 1.2 | 1.0 | 1.1 | 1.1 | 1.1 |
| ROE | 7.1 | 7.7 | 8.1 | 7.8 | 6.8 | 7.0 | 7.0 | 7.0 |
| Efficiency | 58.9 | 58.0 | 58.0 | 59.0 | 59.0 | 58.9 | 59.7 | 59.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.7 | 0.4 | 0.5 | 0.8 | 0.7 | 0.7 | 0.7 |
| Charge-offs | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 | 0.1 |
| Loan/Deposit | 88.5 | 86.8 | 84.8 | 80.1 | 83.7 | 82.6 | 79.8 | 79.5 |
Balance Sheet
Total Assets$10.8B
Total Deposits$9.1B
Total Loans$7.2B
Total Equity$1.6B
Profitability
ROA1.07%
ROE7.02%
Efficiency Ratio59.50%
Net Income$113.9M
Risk & Asset Quality
NPL Ratio0.73%
Charge-off Rate0.05%
Loan/Deposit79.54%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans