BlastPoint's Banking Scorecard
Stellar Bank
Designations: ✓ Community bank
Houston, TX
52 branches across TX
Stellar Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 10.0% in tier
- + Delinquency Rate 0.21% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12.1% in tier
- - ROA 0.11% below tier average
- - Efficiency Ratio 4.22% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$10.9B
+4.4% YoY
+0.9% QoQ
|
-$36.1B |
$47.0B
-1.9% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 4.4% in tier |
| Total Loans ? |
$7.5B
+4.2% YoY
+4.0% QoQ
|
-$21.9B |
$29.4B
-0.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.0% in tier |
| Total Deposits ? |
$9.0B
+5.1% YoY
-0.3% QoQ
|
-$29.4B |
$38.4B
-1.6% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.6% in tier |
| Return on Assets ? |
1.17%
+13.7% YoY
+9.2% QoQ
|
-0.11% |
1.28%
+18.7% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
4.37%
+2.3% YoY
+2.1% QoQ
|
+0.59% |
3.77%
+5.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 13.9% in tier |
| Efficiency Ratio ? |
58.23%
-1.3% YoY
-2.1% QoQ
|
+4.22% |
54.01%
-3.7% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
0.81%
+6.6% YoY
+10.9% QoQ
|
-0.21% |
1.02%
-3.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
82.95%
-0.9% YoY
+4.3% QoQ
|
+2.16% |
80.79%
+1.9% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
36.19%
-4.1% YoY
-5.1% QoQ
|
+16.15% |
20.04%
+0.2% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 1.5% in tier |
| Nonperforming Asset Ratio ? |
0.64%
+13.0% YoY
+15.6% QoQ
|
-0.08% |
0.72%
+4.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
34% |
| Tier 1 Capital Ratio ? |
13.56%
-4.5% YoY
-1.9% QoQ
|
-1.96% |
15.51%
-0.4% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.05%
-10.7% YoY
-76.7% QoQ
|
-0.18% |
0.22%
+0.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.7% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.