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Stellar Bank is the largest Texas-based community bank headquartered in Houston, formed in 2023 through a merger of Allegiance Bank and CommunityBank of Texas. The bank operates 54 banking centers across Houston, Beaumont, East Texas, and Dallas, combining the responsiveness of local banking with broader resources and capabilities. Stellar Bank is FDIC-insured and serves primarily medium to small-sized business owners and their families.
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SBA 7(a) Acquisition Loan Data As Of December 31, 2025
Last 12 Months
Last 3 Years
YoY Growth
low activity
As Of December 31, 2025
Median
$1.3M
Average
$1.6M
Sweet Spot
$1M-$2M
Industries with highest loan volume
Drycleaning and Laundry Services (except Coin-Operated)
3
loans
$804K
avg. amount
Drycleaning and Laundry Services (except Coin-Operated)
Loans
3
Avg. Amount
$804K
Sports and Recreation Instruction
1
loans
$3.2M
avg. amount
Sports and Recreation Instruction
Loans
1
Avg. Amount
$3.2M
All Other Personal Services
1
loans
$148K
avg. amount
All Other Personal Services
Loans
1
Avg. Amount
$148K
Wood Window and Door Manufacturing
1
loans
$1.9M
avg. amount
Wood Window and Door Manufacturing
Loans
1
Avg. Amount
$1.9M
Environmental Consulting Services
1
loans
$1.3M
avg. amount
Environmental Consulting Services
Loans
1
Avg. Amount
$1.3M
All Other Business Support Services
1
loans
$1.1M
avg. amount
All Other Business Support Services
Loans
1
Avg. Amount
$1.1M
All Other Rubber Product Manufacturing
1
loans
$338K
avg. amount
All Other Rubber Product Manufacturing
Loans
1
Avg. Amount
$338K
All Other Professional, Scientific, and Technical Services
1
loans
$1.9M
avg. amount
All Other Professional, Scientific, and Technical Services
Loans
1
Avg. Amount
$1.9M
Limited-Service Restaurants
1
loans
$400K
avg. amount
Limited-Service Restaurants
Loans
1
Avg. Amount
$400K
Coin-Operated Laundries and Drycleaners
1
loans
$1.7M
avg. amount
Coin-Operated Laundries and Drycleaners
Loans
1
Avg. Amount
$1.7M
10-Year Default Rate
1.5%
Percentile Ranking
87th
87th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 1.55% |
| $500K-$1M | Prime + 1.75% |
| $1M-$2M | Prime + 0.82% |
| $3M-$4M | Prime + 1.00% |
| $4M-$5M | Prime + 1.00% |
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)