Stellar Bank
Stellar Bank is a Texas-based community bank formed in 2022, operating 54+ branches with $10.81 billion in assets, serving individuals, SMBs, government clients, veterans, and high-net-worth customers across Texas through relationship-led banking and digital channels.
- Company typePrivate
- Founded2022
- HeadquartersHouston, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Stellar Bank does
Stellar Bank is a Texas-chartered community bank headquartered in Houston that provides personal, commercial, and private banking services to individuals, small-to-medium-sized businesses, and government and institutional clients. Formed in 2022 through a merger of equals between two regional Texas banks, the institution had grown to $10.81 billion in total assets, $7.3 billion in loans, and $9.02 billion in deposits as of December 31, 2025, operating more than 54 banking centers across Texas with documented market share above 40% in Southeast Texas. The bank employs between 1,001 and 5,000 staff, organized around relationship-led commercial banking, retail branches, and a digital channel stack.
The bank's product platform spans business banking (checking, savings, SBA 7(a)/504 loans, commercial lending, factoring, treasury management, and credit cards), personal banking (checking, savings, home loans, vehicle loans, personal loans, and credit cards), private banking for high-net-worth clients, and specialized government and institutional services. Digital access is delivered through a proprietary mobile banking application on iOS and Android, an online banking platform integrated with QuickBooks and Quicken, and treasury management systems supporting ACH processing, Same-Day ACH, fraud prevention, and multi-factor authentication. Credit cards are issued under a Visa license through a partnership with First National Bank of Omaha, and financial education content is co-developed with EVERFI. No AI or machine learning capabilities are disclosed; the technology footprint is conventional digital banking infrastructure.
Revenue is generated through three primary streams: interest income on the loan portfolio (business, personal, mortgage, home equity, and credit card lending), net interest spread on $9.02 billion of deposits (checking, savings, money market, and CDs), and fee-based services including treasury management, wire transfers, and ATM fees. Stellar Bancorp, the privately held holding company, has maintained a $0.15 per-share quarterly cash dividend for 10 consecutive years and reported $105.6 million in Q3 2025 revenue. Distribution is relationship-led through dedicated business development officers, commercial lenders, and physical branches, supplemented by self-serve digital channels. The bank is currently pending acquisition by Prosperity Bancshares (NYSE: PB) in a deal valued at approximately $2 billion announced January 28, 2026, which upon close would create the second largest bank by deposits in Texas.
Stellar Bank firmographics
Firmographics- Name
- Stellar Bank
- Legal name
- Stellar Bank
- Website
- https://stellar.bank
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Stellar Bank is a Texas-based community bank formed in 2022, operating 54+ branches with $10.81 billion in assets, serving individuals, SMBs, government clients, veterans, and high-net-worth customers across Texas through relationship-led banking and digital channels.
- Ownership category
- akta.pro rank
Stellar Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Affluent/Premier Retail Banking (Mass Affluent) (FSABAAAG), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where Stellar Bank is headquartered
LocationHeadquarters
- HQ city
- Houston
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Stellar Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Interest Income: Revenue generated from lending activities including business loans, personal loans, mortgages, home equity loans, and credit cards. The bank earns interest spreads on its loan portfolio.
- Deposit Services: Fees and interest spreads from checking, savings, money market accounts, and certificates of deposit. The bank collects deposit insurance premiums and generates spread income.
- Fee-Based Services: Non-interest income from treasury management services, wire transfers, ATM fees, and other banking service charges.
- Dividend Distributions: Stellar Bancorp declared quarterly cash dividends of $0.15 per share, maintaining 10 consecutive years of dividend payments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Standard banking services with competitive rates for checking, savings, and lending products |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
Stellar Bank product offering
Product offeringCore offering
Stellar Bank is a Texas-based regional community bank offering personal and commercial banking services. Its core offerings include business checking, savings, loans, SBA loans, treasury management, factoring, and credit cards for small-to-medium-sized businesses, plus personal checking, savings, mortgages, home equity, vehicle, and personal loans, credit cards, and private banking services for individuals and high-net-worth clients.
Product overview
Stellar Bank is a Texas-based regional bank offering a comprehensive suite of banking products across three primary segments: Business Banking (checking, savings, business loans, SBA loans, factoring, and treasury management), Personal Banking (checking, savings, credit cards, home loans, personal loans, and vehicle loans), and Private Banking for high-net-worth clients. The bank provides digital access through its core Online Banking platform and Mobile App, with credit card products issued through a partnership with First National Bank of Omaha under the Visa brand. The product portfolio positions Stellar Bank as a full-service community bank competing against both large national banks and smaller regional institutions.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- 400% growth over four years for supported small business customers
- +2 more outcomes
Companies that use Stellar Bank
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
Stellar Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature5 records
Stellar Bank partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered minor and core.
- University of St. ThomasminorStellar Bank is providing financing for the University's $45 million, 100,000-square-foot residence hall project. The project will add approximately 400 student housing spaces and is expected to complete in fall 2028.
- EVERFIcoreStellar Bank has partnered with EVERFI to create a Financial Education Center providing digital modules on budgeting, credit scores, home ownership, and financial literacy. The platform offers self-paced learning modules completed in under 10 minutes each.
- First National Bank of Omaha (FNBO)coreFNBO issues credit cards under license from Visa for Stellar Bank customers. Cards include Complete Rewards Visa Signature, Maximum Rewards Visa Signature, Platinum Edition Visa, and BucksBack Secured Visa. Applications are processed through FNBO's platform.
- Houston Veterans Chamber Of CommerceminorStellar Bank partners with HVCC to provide networking, mentorship, education, and funding opportunities for veteran-owned businesses in the Houston region.
- U.S. Small Business AdministrationcoreStellar Bank participates in SBA loan programs including 7(a) and 504 loans, offering borrowers lower down payments, longer payment terms, and specialized expertise in SBA financing.
- Texas Veterans CommissionminorStellar Bank refers veteran entrepreneurs to the Texas Veterans Commission's Veteran Entrepreneur Program which provides individualized consulting, referrals, and educational services.
- Houston Food BankminorStellar Bank employees volunteer at Houston Food Bank as part of community engagement activities, supporting food security initiatives in the Houston region.
- Camp For All 2UminorStellar Bank employees volunteer with Camp For All 2U, supporting recreational programs for individuals with disabilities.
- The Family PlaceminorMelissa Keeling chairs the governance committee for this domestic violence shelter providing housing, intervention, prevention, and education services.
- The Warren CenterminorMelissa Keeling chairs the governance committee for this early childhood intervention organization providing services for children with disabilities.
- Ronald McDonald HouseminorMelissa Keeling's family participated in the train car donation program supporting the Ronald McDonald House charity.
Scale indicators7 records
Recent moves7 records
Expansion highlights5 records
Stellar Bank competitors and assessment
Company assessmentDirect peers
- Prosperity Bancshares: Houston-headquartered bank holding company with a Texas community/commercial banking franchise of comparable scale. Prosperity has signed the definitive merger agreement to acquire Stellar Bancorp, making it the most directly comparable peer by both product mix and Texas footprint.
- Cullen/Frost Bankers: San Antonio-based bank holding company operating Frost Bank, a Texas-focused commercial and consumer bank of similar scale. Closely comparable to Stellar on Texas geographic concentration, relationship-led SMB strategy, and community-banking positioning.
- Cadence Bank: Mid-sized regional commercial bank with Texas, Southeast, and Sunbelt operations. Comparable to Stellar in commercial loan-led business model, mid-market deposit gathering, and similar asset-base scale.
- Independent Bank Group: McKinney, Texas-based bank holding company with a community/commercial banking model across Texas and Colorado. Closely comparable in Texas SMB and consumer strategy, branch-led distribution, and asset size tier.
- Texas Capital Bancshares: Dallas-based commercial bank serving Texas businesses, with comparable commercial banking focus, treasury management capabilities, and Texas-only geographic footprint that mirrors Stellar's concentration profile.
- First Financial Bankshares: Abilene, Texas-based bank holding operating community banks across central and north Texas. Comparable on long-standing Texas community-banking franchise model, conservative credit culture, and dividend track record.
- Veritex Holdings: Dallas-based Texas community bank holding company with comparable Dallas-area and Texas commercial banking footprint. Similar scale and SMB/commercial lending orientation in shared geographies (Dallas, Houston).
- Southside Bancshares: Tyler, Texas-based bank holding operating East Texas and surrounding markets. Comparable East/Southeast Texas community-bank footprint to Stellar's Southeast Texas stronghold, with similar residential and commercial lending mix.
Broad incumbents
- Comerica: Dallas-headquartered national bank with deep commercial and middle-market banking operations across Texas. Overlaps Stellar's commercial banking and treasury management segments but at a substantially larger scale and broader geography, making it a broad incumbent rather than direct competitor.
- Zions Bancorporation (Amegy Bank): Salt Lake City-based bank holding company that owns Amegy Bank of Texas, a Houston-focused commercial bank. Comparable Houston geographic overlap with Stellar but as part of a larger multi-state franchise, positioning it as a broad incumbent.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Stellar Bank social profiles
Digital presenceStellar Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stellar Bank leadership team
Management profileNumber of profiles
Profiles14 records
Stellar Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stellar Bank M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stellar Bank
What does Stellar Bank do?
Stellar Bank is a Texas-based regional community bank offering personal and commercial banking services. Its core offerings include business checking, savings, loans, SBA loans, treasury management, factoring, and credit cards for small-to-medium-sized businesses, plus personal checking, savings, mortgages, home equity, vehicle, and personal loans, credit cards, and private banking services for individuals and high-net-worth clients.
Is Stellar Bank a public or private company?
Stellar Bank is a private company. It is classified as unknown and is currently operating.
When was Stellar Bank founded?
Stellar Bank was founded in 2022. It employs 1,001 to 5,000 people.
Where is Stellar Bank based?
Stellar Bank is headquartered in Houston, United States, in the North America region.
How does Stellar Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are deposit Services, fee-Based Services and dividend Distributions.
Who are Stellar Bank's main competitors?
Direct peers on record are Prosperity Bancshares, Cullen/Frost Bankers, Cadence Bank, Independent Bank Group, Texas Capital Bancshares, First Financial Bankshares, Veritex Holdings and Southside Bancshares. Broad incumbents are Comerica and Zions Bancorporation (Amegy Bank).
Does Stellar Bank have an API?
No public API is recorded for Stellar Bank.
What industry is Stellar Bank in?
Stellar Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAG, Affluent/Premier Retail Banking (Mass Affluent). Its NAICS code is 5221 and its SIC code is 6022.