TX lenders / Regional Bank
Stellar Bank
Regional Bank · Houston, TX · Stellar Bcorp Inc
- Total assets
- $10.9B
- CRE loan book
- $4.7B
- QoQ CRE growth
- 3.5%
- Q1 2026
Recorded CRE activity — harris County
12 commercial deeds of trust recorded recently, verified from county records.
- Jul 2, 2026 · unknownundisclosed
- Jul 2, 2026 · unknownundisclosed
- Jul 2, 2026 · unknownundisclosed
- Jul 1, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 29, 2026 · unknownundisclosed
- Jun 29, 2026 · unknownundisclosed
- Jun 26, 2026 · unknownundisclosed
- Jun 26, 2026 · unknownundisclosed
Observed rates
Real loans — SBA 7(a)
10 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 8.25% (10 variable / 0 fixed) · $10.0M total approved.
Borrower cities: Rosharon (2), Beaumont (2), Houston (2), Katy (2), Sealy, Richmond.
Source: SBA 7(a) FOIA dataset · most recent approval Jan 29, 2026. Loan-level government-guaranteed pricing; conventional CRE terms may differ.
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.36% as of Q1 2026 — TX bank median 6.76% (0.40pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.36% | 6.44% |
| Q4 2025 | 6.53% | 6.63% |
| Q3 2025 | 6.59% | 6.78% |
| Q2 2025 | 6.51% | 6.69% |
| Q1 2025 | 6.38% | 6.55% |
| Q4 2024 | 6.68% | 6.87% |
| Q3 2024 | 6.69% | 6.94% |
| Q2 2024 | 6.75% | 6.96% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $4.7B | $924.3M | $493.0M | 236% | $34.1M |
| Q4 2025 | $4.6B | $845.4M | $433.6M | 228% | $31.6M |
| Q3 2025 | $4.6B | $874.6M | $437.6M | 231% | $28.5M |
| Q2 2025 | $4.7B | $900.8M | $455.6M | 238% | $26.9M |
| Q1 2025 | $4.7B | $862.8M | $444.1M | 236% | $28.4M |
| Q4 2024 | $4.8B | $1.0B | $410.5M | 247% | $18.6M |
| Q3 2024 | $5.0B | $1.1B | $415.0M | 257% | $15.0M |
| Q2 2024 | $5.1B | $1.1B | $423.3M | 266% | $19.9M |
Stellar Bank: frequently asked questions
- How large is Stellar Bank's commercial real estate loan book?
- As of Q1 2026, Stellar Bank reported $4.7B in commercial real estate loans out of $10.9B in total assets, per its FFIEC Call Report.
- Is Stellar Bank above the 300% CRE concentration guideline?
- Stellar Bank's CRE loans stood at 236% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Stellar Bank growing or shrinking its CRE lending?
- Stellar Bank's CRE loan book grew 3.5% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Stellar Bank in recorded CRE lending?
- 12 commercial deeds of trust naming Stellar Bank as lender have been recorded recently in harris County, verified from county records; the most recent was recorded Jul 2, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other regional banks we track with a comparable CRE book size.
- NBT Bank, National AssociationRegional Bank · Norwich · $4.6B CRE book
- PlainsCapital BankRegional Bank · University Park · $4.6B CRE book
- First Financial BankRegional Bank · Cincinnati · $4.9B CRE book
- Columbia BankRegional Bank · Fair Lawn · $4.5B CRE book
- Nicolet National BankRegional Bank · Green Bay · $5.0B CRE book
Markets where Stellar Bank lends
Stellar Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.