Stellar Bank

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.

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

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

• Community banking services
• Commercial lending
• Personal banking
• Treasury management
• SBA loans

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. 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.
2. 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.
3. Fee-Based Services: Non-interest income from treasury management services, wire transfers, ATM fees, and other banking service charges.
4. Dividend Distributions: Stellar Bancorp declared quarterly cash dividends of $0.15 per share, maintaining 10 consecutive years of dividend payments.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core 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

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered minor and core.

• University of St. ThomasminorStrategic or Co-development Partner · 15 June 2026Stellar 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.
• EVERFIcoreTechnology or IntegrationStellar 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)coreChannel Partner/ Reseller/ DistributorFNBO 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 CommerceminorStrategic or Co-development PartnerStellar Bank partners with HVCC to provide networking, mentorship, education, and funding opportunities for veteran-owned businesses in the Houston region.
• U.S. Small Business AdministrationcoreStrategic or Co-development PartnerStellar 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 CommissionminorStrategic or Co-development PartnerStellar Bank refers veteran entrepreneurs to the Texas Veterans Commission's Veteran Entrepreneur Program which provides individualized consulting, referrals, and educational services.
• Houston Food BankminorStrategic or Co-development PartnerStellar Bank employees volunteer at Houston Food Bank as part of community engagement activities, supporting food security initiatives in the Houston region.
• Camp For All 2UminorStrategic or Co-development PartnerStellar Bank employees volunteer with Camp For All 2U, supporting recreational programs for individuals with disabilities.
• The Family PlaceminorStrategic or Co-development PartnerMelissa Keeling chairs the governance committee for this domestic violence shelter providing housing, intervention, prevention, and education services.
• The Warren CenterminorStrategic or Co-development PartnerMelissa Keeling chairs the governance committee for this early childhood intervention organization providing services for children with disabilities.
• Ronald McDonald HouseminorStrategic or Co-development PartnerMelissa 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

Direct 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

• Xx.com/stellarbanktx
• Facebookfacebook.com/stellar.bank
• LinkedInlinkedin.com/company/stellar-bank
• Instagraminstagram.com/stellarbank

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stellar Bank