Stellar Bank

Headquarters

8727 W Sam Houston Pkwy N
Houston, TX 77040
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	N.A.	4.66% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.15% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Reviewed by Looking | September 7, 2023 |

Went to Stellar bank off Bay Area yesterday 8/6/23. I was 1 minute late, but a gentleman let me in and instructed me to a lady to my left. Unfortunately, the ONLY words to me that she said was "just to let you know, we close at 5). No "hello", no "how are you", no "what can I do for you". Why would ANYONE want to go do business with a bank with people like this? If I wanted to be treated poorly I would go see my Ex.... It was Unbelievable the way she acted and and talked to a potential customer. Don't think that I will be doing business with them, BUT, I will go back just to get her name and post it. I shall return.....
The one star given is for the gentleman that let me in. Thank you.....

Overview
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2025 Overview

General Bank Information

Stellar Bank is an FDIC insured institution located in Houston, TX. It was founded in 2007 and has approximately $10.89 billion in assets. Customers can open an account at one of its 17 branches.


FDIC Insured	Yes
FDIC Certificate	# 58629
Date Established	2007
Assets	$ 10.89 billion
Loans	$ 7.36 billion
Deposits	$ 9.19 billion
Capital	$ 1,608.09 million

For a more detailed analysis of Stellar Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - May 13, 2025

Your Current Location: Washington, WA 98109

Loan Rates - May 13, 2025

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Stellar Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 432980	6.371%	6.250% 0.00 points $4,324 fees	$1,971	Learn More
NMLS ID: 2273319	6.409%	6.250% 0.38 points $5,395 fees	$1,971	Learn More
NMLS ID: 447490	6.612%	6.500% 0.75 points $3,728 fees	$2,023	Learn More
NMLS ID: 181106 License#: 1998387	6.672%	6.500% 0.63 points $5,825 fees	$2,023	Learn More

See More Mortgage Rates →

Featured - Washington Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.8% - 15.20*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Reliant Home Funding, Inc See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]
Achieve Loans See Table	Intro APR 10.125 % After Intro: 10.125 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Equal Housing Opportunity. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to Stellar Bank
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Branches

Stellar Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington

Stellar Bank Locations around zip code 98109

Branch	Distance	Map	View Lobby Hours
Brookshire Branch	1864.29	A	View Lobby Hours
Tomball Branch	1865.14	B	View Lobby Hours
Community Bank-Woodlands Rf Branch	1866.42	C	View Lobby Hours
Katy Pin Oak Branch	1869.90	D	View Lobby Hours
Katy Branch	1873.39	E	View Lobby Hours
Champions Branch	1874.87	F	View Lobby Hours
Allegiance Bank	1875.59	G	View Lobby Hours
290 Branch	1877.64	H	View Lobby Hours
290 Office Branch	1879.88	I	View Lobby Hours
Eldridge Branch	1879.89	J	View Lobby Hours
Wharton	1880.78	K	View Lobby Hours
Memorial Office Branch	1880.91	L	View Lobby Hours
Memorial City Convenience Center	1881.03	M	View Lobby Hours
Memorial City Branch	1881.29	N	View Lobby Hours
Memorial Village Branch	1882.47	O	View Lobby Hours
Communitybank Westchase Branch	1883.15	P	View Lobby Hours
Communitybank Woodville Branch	1883.67	Q	View Lobby Hours
North Loop Branch	1884.54	R	View Lobby Hours
Woodway West Branch	1885.00	S	View Lobby Hours
Heights	1885.26	T	View Lobby Hours
Galleria Branch	1885.99	U	View Lobby Hours
Washington Avenue Branch	1886.28	V	View Lobby Hours
Sugar Land Branch	1886.65	W	View Lobby Hours
Humble Branch	1886.91	X	View Lobby Hours
Bellaire Branch, Suite B	1887.29	Y	View Lobby Hours
Kirby Office Branch	1888.38	Z	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

Stellar Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

Stellar Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Stellar Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

Stellar Bank	U.S. Bank Average
2.29%	4.63%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, Stellar Bank had $37,211,000 in non-current loans and $1,460,000 in owned real estate. To cover these potential losses it had $1,608,093,000 in equity and $81,058,000 in loans loss reserves. That gives it a Texas Ratio of 2.29%.

Return on Equity

Stellar Bank	U.S. Bank Average
7.97%	10.10%

Stellar Bank has a Return on Equity of 7.97% versus the BestCashCow average of 10.10%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

Stellar Bank	U.S. Bank Average
14.76%	11.02%

Stellar Bank has a Capitalization of 14.76% versus the BestCashCow average of 11.02. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Stellar Bank Balance Sheet Analysis

As of December 31, 2024, Stellar Bank had assets of $10,891,351,000, loans of $7,358,796,000, and deposits of $9,189,284,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 910.78 million
Interest-bearing balances	$ 490.81 million
Total securities	$ 1,673.02 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 7.36 billion
Loan loss allowance	$ 81.06 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 1.46 million
Goodwill and other intangibles	$ 590.01 million
All other assets	$ 125.14 million
Total Assets	$ 9.28 billion

LIABILITIES
Total deposits	$ 9.19 billion
Interest-bearing deposits	$ 5.55 billion
Deposits held in domestic offices	$ 9.19 billion
% insured (estimated)	41.32%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	N.A.
Subordinated debt	N.A.
All other liabilities	$ 35.90 million
Total Liabilities	$ 9.28 billion
Shareholders’ Equity	$ 1,608.09 million

Summary Income Statement

December 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 602.39 million
Total Interest Expense	$ 189.85 million
Net interest income	$ 412.54 million
Provision for loan and lease losses	N.A.
Total non interest income	$ 23.03 million
Total non interest expense	$ 277.87 million
Pre-tax Net Operating Income	$ 45.82 million

Bank Loan Profile^?

The top three loan types in Stellar Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks, Stellar Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	9.27		✓
Multifamily Mortgages	1.24		✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	0.04		✓
Small Business Loans	9.46		✓
Construction and Development Loans	8.23		✓
Commercial Real Estate	28.88		✓
Commercial and Industrial Loans	9.62		✓
Farm Loans	0.01		✓

Customer Reviews for Stellar Bank

Looking

September 7, 2023 |

Went to Stellar bank off Bay Area yesterday 8/6/23. I was 1 minute late, but a gentleman let me in and instructed me to a lady to my left. Unfortunately, the ONLY words to me that she said was "just to let you know, we close at 5). No "hello", no "how are you", no "what can I do for you". Why would ANYONE want to go do business with a bank with people like this? If I wanted to be treated poorly I would go see my Ex.... It was Unbelievable the way she acted and and talked to a potential customer. Don't think that I will be doing business with them, BUT, I will go back just to get her name and post it. I shall return.....
The one star given is for the gentleman that let me in. Thank you.....

Is this review helpful? Yes:1 / No: 0