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Bank, Houston, TX
Stellar Bank
Stellar Bank no longer files under this name. FDIC records show it merged into Prosperity Bank on July 1, 2026. Before that it made 24 multifamily loans in 2025, all in Texas, at a typical size of $1.3M, and 1 SBA 7(a) loan since October 2023.
- Kind
- Bank
- Data as of
- HMDA 2025, SBA September 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $6.07B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 24
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 14
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $10.4B
- FDIC call report,
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number or website.
- Address
- 9 Greenway Plz, Houston, TX 77046FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 0 opened, 2 closed, 0 relocated.FDIC structure history. | FDIC history |
| July 1, 2026 | Merged into Prosperity Bank on July 1, 2026.FDIC structure history. | FDIC history, |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 15.9% to $1.3B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 39.1% to $1.4B in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| Fiscal 2026 | The holding company reported a balance of $512.7M still held on loans originated in fiscal 2026.Group level: the registrant and all of its subsidiaries together. A balance, not the amount originated. | SEC 10-Q and 10-K filings, |
| 2024 | Reported making 2,630 small business loans totaling $621.1M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Texas | SBA 7(a), Industrial Machinery and Equipment Merchant Wholesalers | $3.3M | 7.75% | 10 yr | SBA FOIA | |
| May 2026 | Texas | SBA 504, Fitness and Recreational Sports Centers | $1.8M | 25 yr | SBA FOIA | ||
| Mar 2026 | Texas | SBA 504, Car Washes | $810K | 25 yr | SBA FOIA | ||
| 2025 | Dallas County, TX | Purchase, 150 or more units | $42M | 6.53% | 5 yr | 58% | HMDA 2025 |
| 2025 | Harris County, TX | Purchase, 150 or more units | $39M | 6.97% | 5 yr | 47% | HMDA 2025 |
| 2025 | Jefferson County, TX | Purchase, 150 or more units | $30M | 7.18% | 5 yr | 58% | HMDA 2025 |
| 2025 | Tarrant County, TX | Improvement, 100 to 149 units | $24M | 7% | 17.5 yr | 73% | HMDA 2025 |
| 2025 | Hidalgo County, TX | Purchase, 100 to 149 units | $17M | 7% | 17.5 yr | 67% | HMDA 2025 |
| 2025 | Cameron County, TX | Purchase, 50 to 99 units | $16M | 6.96% | 17.5 yr | 72% | HMDA 2025 |
| 2025 | Bell County, TX | Purchase, 100 to 149 units | $16M | 7.25% | 17.5 yr | 69% | HMDA 2025 |
| 2025 | Jefferson County, TX | Purchase, 150 or more units | $7.7M | 6.96% | 2 yr | 75% | HMDA 2025 |
| 2025 | Montgomery County, TX | Improvement, 50 to 99 units | $4.1M | 7.5% | 2 yr | 56% | HMDA 2025 |
| 2025 | Bexar County, TX | Refinance, 5 to 24 units | $1.6M | 8% | 5 yr | 63% | HMDA 2025 |
| 2025 | Waller County, TX | Purchase, 5 to 24 units | $1.4M | 7% | 20 yr | 65% | HMDA 2025 |
| 2025 | Harris County, TX | Purchase, 5 to 24 units | $1.3M | 8.5% | 2 yr | 55% | HMDA 2025 |
| 2025 | Harris County, TX | Purchase, 5 to 24 units | $1.3M | 7.5% | 2 yr | 79% | HMDA 2025 |
| 2025 | Brazoria County, TX | Purchase, 5 to 24 units | $1M | 7.25% | 2.5 yr | 42% | HMDA 2025 |
| 2025 | Hardin County, TX | Purchase, 5 to 24 units | $1M | 6% | 2 yr | 71% | HMDA 2025 |
| 2025 | Harris County, TX | Refinance, 5 to 24 units | $960K | 7.75% | 10 yr | 79% | HMDA 2025 |
| 2025 | Texas | Purchase, 5 to 24 units | $840K | 8.5% | 5.5 yr | 76% | HMDA 2025 |
| 2025 | Harris County, TX | Purchase, 5 to 24 units | $660K | 7.25% | 5 yr | 31% | HMDA 2025 |
| 2025 | Galveston County, TX | Refinance, 5 to 24 units | $600K | 7.5% | 20 yr | 28% | HMDA 2025 |
| 2025 | Jefferson County, TX | Purchase, 5 to 24 units | $580K | 6.75% | 5 yr | 77% | HMDA 2025 |
| 2025 | Harris County, TX | Purchase, 5 to 24 units | $500K | 9% | 5 yr | 40% | HMDA 2025 |
| 2025 | Texas | Purchase, 5 to 24 units | $420K | 7.5% | 5 yr | 76% | HMDA 2025 |
| 24 multifamily loans made in 2025 | $208M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $487M | 6.5% | +7.0% |
| Construction and land development | $980M | 13.1% | +8.8% |
| Owner-occupied CRE | $1.78B | 23.7% | -1.5% |
| Non-owner-occupied CRE | $1.47B | 19.5% | -4.4% |
| Farmland | $45.0M | 0.6% | -2.4% |
| Commercial and industrial | $1.32B | 17.5% | +15.9% |
| Commercial total | $6.07B |
Reference only: $1.14B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $6.74B |
| Q4 2023 | $6.59B |
| Q1 2024 | $6.55B |
| Q2 2024 | $6.30B |
| Q3 2024 | $6.16B |
| Q4 2024 | $6.03B |
| Q1 2025 | $5.87B |
| Q2 2025 | $5.88B |
| Q3 2025 | $5.70B |
| Q4 2025 | $5.82B |
| Q1 2026 | $6.08B |
| Q2 2026 | $6.07B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 24 | $208M | $1.28M | $42M | HMDA, |
| Multifamily, 5 or more units | 2024 | 7 | $49.5M | $965K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 113 | $44.2M | $265K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 1 | $3.3M | $3.3M | $3.3M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 1 | $3.3M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 13 | $33.6M | $2.22M | $11M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
Programs on record: Federal Home Loan Bank member, Dallas district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- Stellar Bank reported making 2,630 small business loans totaling $621,070,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 1,239 of $100,000 or less, 599 over $100,000 up to $250,000, 792 over $250,000 up to $1 million.
- 1,170 of them, totaling $212,772,000, went to businesses with revenue of $1 million or less.
- Stellar Bank reported making 76 small farm loans totaling $7,859,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 54 of $100,000 or less, 12 over $100,000 up to $250,000, 10 over $250,000 up to $500,000.
- 68 of them, totaling $6,783,000, went to farms with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Harris County, TX | 1,462 | $371M |
| Jefferson County, TX | 371 | $83.5M |
| Fort Bend County, TX | 170 | $37.0M |
| Montgomery County, TX | 130 | $30.6M |
| Hardin County, TX | 79 | $12.2M |
| Galveston County, TX | 50 | $15.3M |
| Orange County, TX | 47 | $5.97M |
| Brazoria County, TX | 36 | $10.9M |
| Waller County, TX | 36 | $5.48M |
| Tyler County, TX | 33 | $2.66M |
| County | Loans | Total |
|---|---|---|
| Wharton County, TX | 23 | $1.80M |
| Tyler County, TX | 13 | $789K |
| Jefferson County, TX | 10 | $647K |
| Chambers County, TX | 8 | $1.79M |
| Fort Bend County, TX | 7 | $1.01M |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Stellar Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $64,983,000 for 1-4 family residential construction and $1,340,161,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $755,745,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 2,161 | $65.7M |
| Over $100,000 up to $250,000 | 975 | $89.1M |
| Over $250,000 up to $1 million | 999 | $268M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 107 | $6.13M |
| Over $100,000 up to $250,000 | 378 | $51.2M |
| Over $250,000 up to $1 million | 1,312 | $593M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 8 | $335K |
| Over $100,000 up to $250,000 | 15 | $2.52M |
| Over $250,000 up to $500,000 | 16 | $4.21M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 50 | $956K |
| Over $100,000 up to $250,000 | 12 | $996K |
| Over $250,000 up to $500,000 | 4 | $691K |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Texas HQ | 1 | 24 | 113 | 1 | 13 |
| County | Recorded loans | Dollars |
|---|---|---|
| Harris County, TX | 11 | $63.6M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Houston-Pasadena-The Woodlands, TX | 16 | $70.7M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Stellar Bank has 52 offices in 14 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 52 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Harris County, TX | 25 | 0 |
| Jefferson County, TX | 7 | 0 |
| Fort Bend County, TX | 3 | 0 |
| Jasper County, TX | 3 | 0 |
| Hardin County, TX | 2 | 0 |
| Montgomery County, TX | 2 | 0 |
| Orange County, TX | 2 | 0 |
| Wharton County, TX | 2 | 0 |
| Chambers County, TX | 1 | 0 |
| Dallas County, TX | 1 | 0 |
| Liberty County, TX | 1 | 0 |
| Newton County, TX | 1 | 0 |
| Tyler County, TX | 1 | 0 |
| Waller County, TX | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Loan channel and SBA processing
Public record only
- Of 113 1-4 unit investor loans with a known channel in 2025, 1 (0.9%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
Peers
Same kind of lender, similar size and book
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
Check this page
Against the regulator's own record
- Name and charter. Stellar Bank, FDIC certificate 58629. Compare it with the regulator's record. [FDIC BankFind]
- Loans made. 158 recorded loans from HMDA and SBA files, through September 30, 2026: 24 HMDA multifamily 2025, 7 HMDA multifamily 2024, 113 HMDA 1-4 unit investor 2025, 1 SBA 7(a) in 36 months, 13 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Stellar Bank]
- Small business loans reported under CRA. 2,630 small business loans reported in its CRA filing for 2024. [Source]
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For the record
Data as of HMDA 2025, SBA September 30, 2026. Page last changed November 12, 2026.
- Regulator
- Federal Reserve
- FDIC certificate
- 58629
- RSSD
- 3579589
- LEI
- 549300Y5YUNNHUW2EQ06
- The Lender Report ID
- lr_000183
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $10.4B in total assets as of June 30, 2026 (FDIC call report).
- Held $6.1B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $1.8B of owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $1.5B of non-owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $1.3B of commercial and industrial loans as of June 30, 2026, up 15.9% from a year earlier (FDIC call report).
- Originated 24 multifamily loans totaling $208.5M in 2025 (HMDA).
11 more sentences
- Originated 7 multifamily loans totaling $49.5M in 2024 (HMDA).
- Originated 113 1-4 unit investor or business-purpose loans totaling $44.2M in 2025 (HMDA).
- Recorded 1 SBA 7(a) approval totaling $3.3M from October 1, 2023 to September 30, 2026 (SBA).
- Provided the first lien on 15 SBA 504 projects with $37.2M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).
- Merged into Prosperity Bank on July 1, 2026. Source: FDIC records.
- Reported making 2,630 small business loans totaling $621.1M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 76 small farm loans totaling $7.9M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Stellar Bancorp, Inc. reported in its 10-Q for the period ended 2026-03-31 that the company and all of its subsidiaries together still held $512.7M of loans originated in fiscal 2026 (SEC filing).
- Held 4,135 commercial and industrial loans that were $1 million or less when made, with a balance of $423M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 1,797 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $650.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $65M for 1-4 family and $1.3B for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Stellar Bank, https://lender.report/lender/stellar-bank-tx/, data as of December 31, 2025.
Sources
- FDIC institution record, November 9, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- SEC 10-Q and 10-K filings, March 31, 2026
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem