BlastPoint's Banking Scorecard
Stellar Bank
Mid-Market
Specialty: Commercial
TX
FDIC cert 58629
Designations: ✓ Community bank
Houston, TX
201
banks in Mid-Market tier nationally
14 in TX
View Mid-Market leaderboard (TX) →
Stellar Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 38% in Mid-Market
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 22% in Mid-Market
- - Flatlined Growth: Bottom 30% in Mid-Market
- - Non-Interest Income / Assets 0.76% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$10.8B
-1.0% YoY
+1.6% QoQ
|
+$335.7M |
$10.5B
+2.9% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$7.2B
-1.9% YoY
+1.8% QoQ
|
+$85.6M |
$7.1B
+4.5% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$9.1B
-1.3% YoY
+2.1% QoQ
|
+$533.9M |
$8.5B
+3.0% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
1.07%
-7.2% YoY
+0.1% QoQ
|
-0.09% |
1.16%
+9.4% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
4.28%
-0.7% YoY
+0.2% QoQ
|
+0.88% |
3.40%
+7.9% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
59.50%
+0.9% YoY
-0.3% QoQ
|
+2.90% |
56.60%
-3.2% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.73%
+44.0% YoY
+11.6% QoQ
|
+0.04% |
0.68%
+12.0% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
79.54%
-0.7% YoY
-0.3% QoQ
|
-5.93% |
85.47%
+1.1% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
38.13%
-3.7% YoY
+3.3% QoQ
|
+17.49% |
20.64%
-0.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.56%
+56.9% YoY
+8.4% QoQ
|
+0.06% |
0.50%
+7.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
13.83%
-2.1% YoY
-3.1% QoQ
|
+0.28% |
13.55%
+1.8% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.20%
-4.6% YoY
+31.8% QoQ
|
-0.76% |
0.96%
+7.1% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#9 of 22 · Top 38% in Mid-Market
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
38.13%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
4.28%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (3)
Deposit Outflow
decline
#8 of 33 · Bottom 22% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Flatlined Growth
risk
#14 of 44 · Bottom 30% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.07%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Non-Interest Income / Assets
metric
Bottom 7%
in Mid-Market
Why this stands out
Current:
0.20%
(Tier avg: 0.96%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.13% · Tier avg: 20.64%
89
89th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.40%
70
70th pctile
Total Deposits
Current: $9.1B · Tier avg: $8.5B
70
70th pctile
Loan-to-Deposit Ratio
Current: 79.54% · Tier avg: 85.47%
69
69th pctile
Total Assets
Current: $10.8B · Tier avg: $10.5B
67
67th pctile
Tier 1 Capital Ratio
Current: 13.83% · Tier avg: 13.55%
67
67th pctile
Total Loans
Current: $7.2B · Tier avg: $7.1B
43
43th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
40
40th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.68%
38
38th pctile
Efficiency Ratio
Current: 59.50% · Tier avg: 56.60%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
7
7th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.96%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.96%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
38
38th pctile
Efficiency Ratio
Current: 59.50% · Tier avg: 56.60%
40
40th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.68%
43
43th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
67
67th pctile
Total Loans
Current: $7.2B · Tier avg: $7.1B
67
67th pctile
Tier 1 Capital Ratio
Current: 13.83% · Tier avg: 13.55%
69
69th pctile
Total Assets
Current: $10.8B · Tier avg: $10.5B
70
70th pctile
Loan-to-Deposit Ratio
Current: 79.54% · Tier avg: 85.47%
70
70th pctile
Total Deposits
Current: $9.1B · Tier avg: $8.5B
89
89th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.40%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.13% · Tier avg: 20.64%