Stellar Bank

Headquarters

8727 W Sam Houston Pkwy N
Houston, TX 77040
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 5.25% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Stellar Bank is an FDIC insured institution located in Houston, TX. It was founded in 2007 and has approximately $10.64 billion in assets. Customers can open an account at one of its 17 branches.

FDIC Insured Yes
FDIC Certificate # 58629
Date Established 2007
Assets $ 10.64 billion
Loans $ 7.83 billion
Deposits $ 8.90 billion
Capital $ 1,556.57 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 18, 2024

Your Current Location: Virginia, VA 20146


Loan Rates - May 18, 2024

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
Payment
Learn More
Tomo Mortgage, LLC.
NMLS ID: 2059741
6.638% 6.500%
0.88 points
$4,602 fees
$2,023 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.967% 6.875%
0.75 points
$2,988 fees
$2,103 Learn More
PADDIO
NMLS ID: 1907
7.065% 6.875%
1.00 points
$6,202 fees
$2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.451% 7.375%
0.75 points
$2,400 fees
$2,211 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

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:
Ashburn,Virginia


Stellar Bank Locations



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
2.42% 3.96%

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 $39,191,000 in non-current loans and $673,000 in owned real estate. To cover these potential losses it had $1,556,567,000 in equity and $91,684,000 in loans loss reserves. That gives it a Texas Ratio of 2.42%.

Return on Equity
Stellar Bank U.S. Bank Average
9.17% 12.20%

Stellar Bank has a Return on Equity of 9.17% versus the BestCashCow average of 12.20%. 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
14.63% 10.76%

Stellar Bank has a Capitalization of 14.63% versus the BestCashCow average of 10.76. 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, 2023, Stellar Bank had assets of $10,636,734,000, loans of $7,833,449,000, and deposits of $8,899,088,000. 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 $ 398.46 million
Interest-bearing balances $ 277.46 million
Total securities $ 1,395.68 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 7.83 billion
Loan loss allowance $ 91.68 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.67 million
Goodwill and other intangibles $ 614.03 million
All other assets $ 125.14 million
     Total Assets $ 9.08 billion
LIABILITIES
Total deposits $ 8.90 billion
      Interest-bearing deposits $ 5.33 billion
      Deposits held in domestic offices $ 8.90 billion
      % insured (estimated) 44.45%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt $ 40.00 million
All other liabilities $ 35.90 million
      Total Liabilities $ 9.08 billion
      Shareholders’ Equity $ 1,556.57 million

Summary Income Statement

December 31, 2024
INCOME AND EXPENSES
Total Interest Income $ 590.81 million
Total Interest Expense $ 149.86 million
Net interest income $ 440.95 million
Provision for loan and lease losses $ 8.94 million
Total non interest income $ 25.32 million
Total non interest expense $ 286.23 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, Small Business Loans, and Commercial and Industrial 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 8.71
Multifamily
Mortgages
1.17
Credit Card Loans 0.00
Consumer Auto Loans 0.04
Small Business Loans 9.32
Construction and Development Loans 7.73
Commercial Real Estate 27.13
Commercial and Industrial Loans 9.04
Farm Loans 0.01

Customer Reviews for Stellar Bank


  • 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.....


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