Stellar Bank
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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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (10 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Stellar Bank ranks #206 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Stellar Bank’s 7(a) acquisition lending falls in the $0-$500K range: 4 loans, 40.0% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 4 | 40.0% | |
| $1M-$2M | 3 | 30.0% | |
| $3M-$4M | 1 | 10.0% | |
| $4M-$5M | 2 | 20.0% |
Industries with highest loan volume
Drycleaning and Laundry Services (except Coin-Operated)
2
loans
$388K
avg. amount
All Other Personal Services
2
loans
$904K
avg. amount
Other Miscellaneous Durable Goods Merchant Wholesalers
1
loans
$4.1M
avg. amount
All Other Rubber Product Manufacturing
1
loans
$338K
avg. amount
All Other Professional, Scientific, and Technical Services
1
loans
$1.9M
avg. amount
Sports and Recreation Instruction
1
loans
$3.2M
avg. amount
Custom Architectural Woodwork and Millwork Manufacturing
1
loans
$5.0M
avg. amount
Coin-Operated Laundries and Drycleaners
1
loans
$1.7M
avg. amount
10-Year
1.5%
Percentile Ranking
86th
86th percentile
Stellar Bank’s median variable rate is + 1.05%, against a market median of Prime + 1.88%, 83 below market.
It priced below the market median in 4 of the last 6 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 1.63% |
| $1M-$2M | Prime + 0.87% |
| $3M-$4M | Prime + 1.00% |
| $4M-$5M | Prime + 1.00% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q3 '19 | Prime + 1.38% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 4 |
| Q4 '19 | Prime + 2.00% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 3 |
| Q1 '20 | Prime + 1.00% | Prime + 2.00% | Prime + 1.40% – Prime + 2.50% | 3 |
| Q3 '21 | Prime + 2.00% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 7 |
| Q3 '22 | Prime + 1.25% | Prime + 1.75% | Prime + 1.25% – Prime + 2.25% | 3 |
| Q1 '23 | Prime + 0.75% | Prime + 1.75% | Prime + 1.25% – Prime + 2.25% | 4 |
Stellar Bank has originated 7(a) acquisition loans in 1 states, most actively in Texas (10). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Texas | 10 | 100.0% |
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