Allegiance Bancshares

What Allegiance Bancshares does

Stellar Bank was a Texas-headquartered commercial and community bank serving business, personal, and private banking customers entirely within the state of Texas. Operating as an FDIC member and Equal Housing Lender, the bank distributed products through a physical branch network supplemented by an online banking portal and a mobile banking application available on iOS and Android. Its product set encompassed business checking, savings/money market/certificate of deposit accounts, business loans, SBA loans, credit cards, treasury management services, personal banking products, and private banking services.

The bank's revenue mechanics followed a traditional commercial banking model: net interest income from loans (business and SBA) and investment securities, deposit-related fees, interchange from card products, and treasury management service fees across its business and personal customer base. Customer segments were organized around business banking (the primary segment), personal banking, and private banking, with technology-led service delivery through mobile and online channels serving as a baseline operating capability rather than a differentiator.

On July 1, 2026, Stellar Bank merged into Prosperity Bank, forming one of the largest Texas-headquartered banks by assets. The merger terminated Stellar Bank's independent operations and transferred its customer base, branch network, and product franchises to the combined entity. No post-merger operating data for the legacy Stellar franchise is available.

Name

Allegiance Bancshares

Legal name

Stellar Bank

Website

https://allegiancebank.com

Company type

Private

Founded year

2007

Operating status

Acquired

Headcount range

501–1,000 employees

Short description

Stellar Bank was a Texas-headquartered commercial and community bank offering deposit products, business/SBA lending, treasury management, and personal and private banking services to Texas-based business and consumer customers through branches, online, and mobile channels, before merging into Prosperity Bank on July 1, 2026.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Commercial Banking (522110)

SIC

National Commercial Banks (6021), State Commercial Banks (6022), Commercial Banks, Nec (6029)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Affluent/Premier Retail Banking (Mass Affluent) (FSABAAAG), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Commercial banking
• Community banking
• Treasury management
• Business lending
• Private banking

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking Services: Traditional banking revenue streams including interest income from loans, fee income from banking services, and treasury management fees

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Stellar Bank is a Texas-based commercial and consumer bank offering business banking (checking, savings, money market, CDs, business loans, SBA loans, credit cards), a full treasury management suite (fraud prevention, funds management, payables, receivables), personal banking products, and wealth management/private banking services. It serves business customers, individual consumers, government and institutional clients, and high-net-worth individuals across Texas through branches, online banking, and a mobile app.

Product overview

Stellar Bank (now part of Prosperity Bank following July 1, 2026 merger) offers a unified commercial and consumer banking platform comprising core deposit products (Business Checking, Savings/Money Market/CD), lending solutions (Business Loans, SBA Loans, Credit Cards), Treasury Management services (Fraud Prevention, Funds Management, Payables, Receivables), Digital Banking (Online Banking, Mobile App with Apple/Android support), and specialized banking for Government/Institutions and Private Banking clients. The product portfolio integrates deposit accounts, lending, cash management, and digital channels into a cohesive banking service offering for Texas-based commercial and retail customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Checking Business checking accounts providing deposit management, transaction processing, and cash flow tools for commercial customers.
• Savings/Money Market/CD Savings accounts, money market accounts, and certificates of deposit for business deposit growth and interest accumulation.
• Business Debit Cards and Digital Wallet Business debit cards with digital wallet compatibility for Apple Pay and Google Pay, enabling contactless payments.
• Online Banking Digital banking platform enabling account management, fund transfers, bill payment, and real-time account activity tracking via web browser.
• Business Loans Commercial lending products including term loans and lines of credit to support business growth and operational financing needs.
• SBA Loans Small Business Administration-backed loan programs providing government-guaranteed financing options for eligible businesses.
• Business Credit Cards Business credit card products for managing business expenses and extending working capital access.
• Treasury Management Comprehensive cash management suite including fraud prevention and security, funds management, payables, and receivables services for business customers.
• Government and Institutions Banking Specialized banking services designed for government entities and institutional clients.
• Personal Banking Consumer banking products including checking, savings, and lending for individual customers.
• Private Banking Wealth management and personalized banking services for high-net-worth individuals and families.
• Stellar Bank Mobile App Mobile banking application for Apple and Android devices enabling 24/7 account access, mobile deposits, bill payment, and real-time account activity monitoring.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators2 records

Recent moves3 records

Expansion highlights2 records

Broad incumbents

• Cadence Bank: Multi-state regional bank with significant Texas commercial banking presence, offering business banking, treasury management, and wealth services. Comparable in product mix and SMB focus, with broader geographic diversification.
• Comerica: Major Texas-headquartered commercial bank with national middle-market focus, providing business banking, treasury management, and wealth services. Comparable to Stellar in core commercial banking capabilities, but at materially larger scale.
• Prosperity Bancshares: Acquirer of Stellar Bank in July 2026 and one of the largest Texas-headquartered banks by assets. Directly comparable in commercial banking, deposit products, treasury management, and Texas regional franchise, and now the parent of the Stellar franchise.

Emerging players

• Simmons Bank: Regional bank expanding in Texas and the South with commercial, consumer, and treasury management services. Comparable product mix to Stellar in business banking, with emerging market overlap in Texas.

Direct peers

• Independent Bank Group: Texas-based regional bank offering commercial, consumer, and mortgage products across Texas and other markets. Predecessor entity to Stellar Bank via prior merger lineage; directly comparable in commercial banking and Texas retail footprint.
• Southside Bancshares: Texas-based community-oriented bank holding company offering commercial, consumer, and mortgage banking across East Texas. Directly comparable regional bank profile with similar community focus and product breadth.
• Frost Bank (Cullen/Frost Bankers): Major Texas-headquartered regional commercial bank offering business, personal, and wealth banking across Texas. Closest direct comparable to Stellar in geographic focus, product breadth, and relationship-banking positioning.
• International Bancshares (IBC Bank): Texas-headquartered regional bank holding company with commercial and consumer banking across Texas and border markets. Comparable in size, community banking model, and geographic concentration in Texas.
• Texas Capital Bank: Texas-headquartered commercial bank focused on business banking, treasury management, and capital markets for middle-market and SMB clients. Strong overlap with Stellar's business banking and treasury management segments.
• First Financial Bankshares: Texas-headquartered bank holding company operating community banks across Texas with commercial, consumer, and wealth banking. Highly comparable in multi-region Texas franchise strategy and relationship-banking positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

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

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A2 records

Investments

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

Frequently asked questions about Allegiance Bancshares