# STELLAR BANK
HOUSTON, TX · FDIC certificate 58629 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $10.40B | |
| Deposits | $8.74B | |
| Loans and leases | $7.51B | |
| Total equity | $1.58B | |
| Loans / deposits | 85.01% (p46 of band) | 85.78% |
| Liquid assets / assets | 19.28% (p35 of band) | |
| Uninsured deposits / deposits | 58.47% (p96 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p4 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.48% (p59 of band) | 10.17% |
| Unrealized securities loss / equity | -5.35% (p65 of band) | -7.43% |
| AOCI / equity | 0.45% (p94 of band) | |
| ROA (annualized) | -0.62% (p2 of band) | 1.24% |
| Net interest margin | 4.43% (p86 of band) | 3.57% |
| Efficiency ratio | 91.97% (p100 of band) | |
| Noncurrent loans | 0.69% (p53 of band) | 0.66% |
| Net charge-offs (annualized) | 0.10% (p56 of band) | |
| Reserve coverage of noncurrent | 159.19% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 61.99% (p87 of band) | |
| Auto loans | $9.2M (0.12% of loans; DQ 0.26%, NCO 0.00%) | |
| Loans to nondepository financials | $222.1M (14% of equity) (p62 of band) | |
| Deposits YoY | 0.2% | |
| Employees | 1043 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **run vulnerability** (`liq_runrisk`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 | construction >100% equity | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 0 |  | construction >100% equity, capital falling |
| 2015-06 | 2 | construction >100% equity, loans-to-lenders >50% equity |  |
| 2015-09 | 1 |  | loans-to-lenders >50% equity |
| 2015-12 | 0 |  | construction >100% equity |
| 2016-03 | 1 | construction >100% equity |  |
| 2016-06 | 2 | wholesale funding >15%, capital falling | construction >100% equity |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 2 | reserve under noncurrent |  |
| 2017-06 | 3 | capital falling, construction >100% equity | reserve under noncurrent |
| 2017-09 | 4 | brokered >10%, charge-offs p90 | capital falling |
| 2017-12 | 5 | loans exceed deposits |  |
| 2018-03 | 3 |  | charge-offs p90, loans exceed deposits |
| 2018-06 | 4 | loans exceed deposits |  |
| 2018-09 | 3 |  | loans exceed deposits |
| 2018-12 | 4 | loans exceed deposits, uninsured deposits >50%, run vulnerability, reserve under noncurrent | wholesale funding >15%, construction >100% equity, brokered >10% |
| 2019-03 | 3 | brokered >10%, wholesale funding >15% | loans exceed deposits, uninsured deposits >50%, run vulnerability |
| 2019-06 | 3 | uninsured deposits >50%, run vulnerability | brokered >10%, wholesale funding >15% |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | reserve under noncurrent |
| 2020-03 | 3 | charge-offs p90 |  |
| 2020-06 | 2 |  | charge-offs p90 |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | run vulnerability |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  | AOCI drag >20% of equity |
| 2023-03 | 2 | run vulnerability |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | run vulnerability |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 5 | run vulnerability, losing money, expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-01 [PROSPERITY BANCSHARES, INC.® COMPLETES MERGER WITH STELLAR BANCORP, INC. - PR Newswire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQR0w0T28tbDVpbFh3SmNramIzU1NZaHd0NDcxdWszTHhwTElDZmZiZlJqSFVmbkV1cWdMTXMwWG44cnU1Yk9FbVNUTFBCYUEydnRMN3FUZGZNTTlrUzBla3Bvb2ZkT3BiQXVYNzF1R0FnWlprSjV4RWJHRFA0MVBWcVByRTlGbV9xSVdEMFRrLTVVTGwtX0xjYmxyckp2bWxOOGZxVmRnVHZaRHFRX1IzSFE3dHFMZFBkTFotZ1BSWFY?oc=5) · PR Newswire
- 2026-01-28 [Prosperity Bank continues its Texas tear - Banking Dive](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdkFMa2Y5S0JRREx1MndKVm0xd3RKVUpYTFktbUUtTVlQY1FNSWdiUWEtWnRoM3FKTUpHZDhjZTdjUndKejZPSmVKc25kMjg1cnlJd1dhTDBxZ1dydjc4OXVSRC1Da1Z1VXc5NHBzTV9MTkc5dHR5OW5DbjJLQlF4X3FWcmw1S0NrdlZULXpJOXhORl9jSTU4aXJENA?oc=5) · Banking Dive
- 2026-07-02 [Prosperity Bank closes $2 billion acquisition of Stellar Bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOYVNWWkczRkhsaHNoZkdTMkpBUk9kNHJZLVQ0QXlNMkZpRGF0b3BIcFFITHgzMDJFNU9QWjdaXzhCSURHT3JEQndkQk1FSGEwdnpoNmJBODlXOWNrTUxiOUdoTnFUZ1NhWDVBdVN5SW5XNWJMSFIwWkNCQ1h6bUh3Y2VZQ1FzenNnNUE5SXNiT3FxclRhVk9sY25xRTRYOG1ub2REdWx3?oc=5) · The Business Journals
- 2026-07-01 [Prosperity Bancshares completes merger with Stellar Bancorp - journalrecord.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPc01PdHpQU3NMVGZhWlJjWlQxWld4ZDVHWFdGbnVfRld3cG0xb1lwVjJEcmFSa2M3ejRseVNrdmw4X2MzMHNfNzVEeEFMZUVKb2MwRndMSUVvZHlEZW03Z2duRnNleFEwUXdROHJGVHN0bTFkSTR6S2dZVEhLSmVVc3phUDBQWlN2Y2JsUkpuVW9IazQ3SmRkUWR2OXlrdw?oc=5) · journalrecord.com
- 2026-01-29 [Prosperity Bancshares and Stellar Bancorp to merge in $2bn deal - Retail Banker International](https://news.google.com/rss/articles/CBMihwFBVV95cUxNVXdlbmRfRVk4MkNJclN6bFd4VkVlNnphRm9haFM2TjI1VS1xanF5NkJPYXVENjdIZUZXZ25YR1NLZUN3eHFkQy1YQ0FZMFg2cHhBbjFUdVB4emJxVjJfRklPUXF3b2xNTW5VS3k3cUxNX2E1bk9mSTFFVzVRWGZfNmlTWXM5dUE?oc=5) · Retail Banker International
- 2026-07-01 [Prosperity Bancshares Completes Merger With Stellar Bancorp - Pulse 2.0](https://news.google.com/rss/articles/CBMihgFBVV95cUxQTHJCcUFPNy0tc2JoRXhJNk16elcwVnRXbDZ0S2lzN0NhM1NTVHd3M3pfbV9XaWh1RnpCNTBMUUtjZDR6MnZubndBXzVDdmNadHBZZDVvaWtHUWxWN1d0ZjBIQ1VKaTJnUENFblZuUExlaWY4WkpSZUJydXN2bzFyVkNSTG4xUdIBiwFBVV95cUxQTXRUbkIzR1ZPUFUwVTRSM1hMRG9HNUJqeV9uMEpyOExLVTFYN3VDYWpoQUh3RGRXTVRWVzRSZXMwR2NiRDJvZ1Rad2t0SlVQOENTWTBTaTJQd0p0cWs3amZsM1pvU0NIaWZ0YUdFRXRpX2lIMF9LTmswN2ZVRGNCbjVhUjJTZU5jSk1n?oc=5) · Pulse 2.0
- 2026-01-28 [Prosperity Bancshares Is Set to Acquire Stellar Bank. Here's What Investors Need to Know. - Yahoo Finance](https://news.google.com/rss/articles/CBMikAFBVV95cUxQQWwyLUNrNE1UWGYyS1BIY3l5RV9kY1lOczZNWXBXcExISm40d1QtMkU3TW50NzBUV3ZCSk1YOFZZWjc1UUh3cTUydEVlaUNLNFQ5emh4U0g4OTZzQTRWb3dOb3hXMVFFWjhBMDRDRERMSmJ5azBvTXBrWDJpMXl1akVUWXlMZUpyWGROaWNpWXQ?oc=5) · Yahoo Finance
- 2026-01-28 [Prosperity Bancshares to Acquire Stellar Bancorp in $2 Billion Deal - WSJ](https://news.google.com/rss/articles/CBMisAFBVV95cUxQakVtWHBDcGV2WkUzcW9BaU0xZlNKU253VVJ5SWhyRzlvQUxhcDM2VGtnV0hZM0pUTGlESmhYMU95ZXZBaTZDYndaRUh2SU1WT1pRMFRfM1RiZlFKeXA4TDJsNzk0WVdDQUZvZURjQm1SamI0YW9WX3g1QlF4VEdYTEFnaGd5OHFFcWJKTUpUUmhBNUVSb3ZFLWhJV0ZCclIxank0UzN4U1FPOUl3VG1mRw?oc=5) · WSJ

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58629 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "58629", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide