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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Stellar Bank

Texas · $10.40B in assets · beside the 11 other Texas banks over $10B

The filing

-0.61%
ROA
12th of 12
96.3%
Efficiency
12th of 12
246.2%
CRE / capital
11th of 12

Stellar Bank is the tenth largest of the 12 Texas banks nearest its size over $10B, with $10.40B in assets at 30 June 2026. Loans are 86.0% of deposits, 9th of 12 against a median of 81.6%, and equity is 15.2% of assets, 3rd of 12. Loans grew +3.1% in the year, 9th of 11, and deposits grew 0.2%; the cohort's median loan growth is +4.3%.

Noncurrent loans are 0.69% of the book, 5th of 11 against a median of 0.77%; 0.33% is 30 to 89 days past due, and the allowance covers them 1.6 times. Net charge-offs are 0.14% of loans, 6th of 11. Commercial real estate is 39.1% of loans, 10th of 11 against a median of 27.7%, and 246% of capital, below the 300% screen, with construction at 82% against the 100% screen.

Return on assets is -0.61%, the lowest in the cohort against a median of 1.33%, on an efficiency ratio of 96.3%, the highest in the cohort. Five years ago it was 1.34%. The question is cost: what the efficiency ratio does to earnings when the margin compresses.

Return on assetsTX banks over $10B · 30 June 2026 · higher is stronger, listed first
median 1.33% IB International Bank of Com 2.70% CS Charles Schwab Trust Bank 2.01% AN Amarillo National Bank 1.74% FF First Financial Bank 1.74% CS Charles Schwab Premier Bank SS 1.47% PB Prosperity Bank 1.35% FB Frost Bank 1.30% PB Plainscapital Bank 1.14% N Nexbank 1.06% TC Texas Capital Bank 1.03% SB Sunflower Bank National Association 0.22% SB Stellar Bank -0.61%
Loans, year over yearTX banks over $10B · 30 June 2026 · no better direction, largest first
median +4.3% SB Sunflower Bank National Association +77.5% PB Prosperity Bank +12.8% IB International Bank of Com +10.3% FB Frost Bank +8.1% PB Plainscapital Bank +6.9% TC Texas Capital Bank +4.3% AN Amarillo National Bank +3.8% FF First Financial Bank +3.2% SB Stellar Bank +3.1% N Nexbank -2.2% CS Charles Schwab Premier Bank SS -100.0%

SBA 7(a), FY2008 to FY2026

Stellar Bank is the 17th largest 7(a) lender into Texas of 706, with $569M across 613 loans, 1.3% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 43 of its 61 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Harris, TX$324M5th of 3144.0%-1.9 pts
Fort Bend, TX$89M2nd of 1805.8%-0.0 pts
Montgomery, TX$33M10th of 1652.8%-1.6 pts
Galveston, TX$26M4th of 1135.5%-2.9 pts
Brazoria, TX$20M7th of 1293.6%-2.7 pts
Jefferson, TX$20M4th of 816.0%-4.1 pts
Bexar, TX$9M57th of 2370.4%quiet FY2022
Tarrant, TX$5M115th of 2810.1%quiet FY2022
Mclennan, TX$5M17th of 1121.7%thin
Brazos, TX$4M16th of 922.0%quiet FY2013
Dallas, TX$4M147th of 3140.1%+0.3 pts
Denton, TX$4M91st of 2240.2%thin
Beckham, OK$4M4th of 207.2%thin
48 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services120$109M18.7%0.14%131st of 2,596
Other services147$103M17.6%0.29%69th of 2,248
Health care & social assistance75$88M15.1%0.19%83rd of 2,172
Retail trade55$56M9.5%0.09%168th of 2,589
Manufacturing44$45M7.8%0.11%161st of 2,246
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Stellar Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans SB Stellar Bank 1.3% $569M · 613 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Stellar BankRankCohort median
Total CRE against capital, the 300% screen246%11th of 12120%
Construction against capital, the 100% screen82%11th of 1239%
Construction and land development, share of loans13.0%9th of 1110.6%
Non-owner-occupied nonfarm nonresidential, share of loans19.5%9th of 1110.2%
Total CRE, the guidance definition, share of loans39.1%10th of 1127.7%
CRE growth over 36 months, the third prong-18.0%3rd of 10+6.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Frost Bank$53.95B1.3%62.5%0.55%0.13%1.2%52.6%8.6%
Prosperity Bank$43.88B1.4%51.1%0.48%0.35%1.5%76.0%18.5%
Texas Capital Bank$33.62B1.0%59.3%0.50%0.27%1.1%84.9%10.1%
Charles Schwab Premier Bank SS$26.58B1.5%14.9%0.00%0.00%0.0%0.0%7.9%
Sunflower Bank National Association$15.65B0.2%75.2%1.63%0.90%1.5%86.9%12.3%
First Financial Bank$15.23B1.7%44.9%0.77%-0.01%1.3%62.9%11.8%
Nexbank$14.16B1.1%50.8%1.47%0.06%0.4%84.5%8.4%
Plainscapital Bank$12.68B1.1%75.1%1.03%0.16%0.9%87.0%10.7%
Charles Schwab Trust Bank$10.51B2.0%25.4%no recordno recordno record0.0%7.7%
Stellar Bank$10.40B-0.6%96.3%0.69%0.14%1.1%86.0%15.2%
Amarillo National Bank$10.38B1.7%49.2%1.54%0.75%1.3%78.7%10.8%
International Bank of Com$10.19B2.7%36.5%2.21%0.03%1.6%109.0%20.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Stellar BankCohort median
20212026Change20212026Change
Loans$4.46B$7.51B+68%$5.53B$8.82B+59%
Deposits$5.46B$8.74B+60%$10.30B$12.17B+18%
NPA / loans0.82%0.69%-0.13 pts0.54%0.77%+0.23 pts
Efficiency57.4%96.3%+38.9 pts52.6%51.0%-1.6 pts
ROA1.34%-0.61%-1.95 pts1.26%1.33%+0.06 pts

This read was prepared for Stellar Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Stellar Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks over $10B

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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