Visbanking Logo
Skip to main content

Stellar Bank

IDRSSD: 3579589
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 3579589 held $10.9B in total assets as of 2026-03-31 (+0.9% quarter-over-quarter). Total loans stood at $7.5B (+4.0% QoQ) and total deposits at $9.0B (-0.3% QoQ).

Overall position is adequate — the composite Health Score is 50/100 (Adequate). Tier 1 / RWA stands at 13.56%, in the above median of peers. Asset quality (NPL ratio) sits in the below median of peers.

3 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
50/100
Adequate
Active Alerts
3
0 critical, 3 warning
Total Assets
$10.9B
+0.9% QoQ
Total Loans
$7.5B
+4.0% QoQ
Total Deposits
$9.0B
-0.3% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
13.56%
56th pctile · n=140↑ better
-27 bp QoQ
CET1 / RWA
13.56%
63th pctile · n=150↑ better
-27 bp QoQ
Total RBC / RWA
14.74%
59th pctile · n=140↑ better
-29 bp QoQ
Tier 1 Leverage Ratio
13.56%
59th pctile · n=150↑ better
-27 bp QoQ

Liquidity

Cash / Assets
5.05%
51th pctile · n=150↑ better
+122 bp QoQ
Loans / Deposits
82.95%
41th pctile · n=149↓ better
+341 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.80%
60th pctile · n=150↓ better
+8 bp QoQ
NPA / Assets
0.64%
66th pctile · n=150↓ better
+9 bp QoQ
Texas Ratio (regulatory)
5.64%
65th pctile · n=150↓ better
+74 bp QoQ
Net Charge-Offs / Avg Loans
0.07%
48th pctile · n=150↓ better
ALLL Coverage of NPL
141.00%
43th pctile · n=150↑ better
-1815 bp QoQ

Earnings

Net Interest Margin
4.37%
85th pctile · n=150↑ better
+5 bp QoQ
Return on Assets
1.17%
36th pctile · n=150↑ better
+9 bp QoQ
Return on Equity
7.75%
19th pctile · n=150↑ better
+71 bp QoQ
Efficiency Ratio
58.23%
61th pctile · n=150↓ better
-69 bp QoQ
Pre-tax NOI / Avg Assets
1.45%
37th pctile · n=150↑ better
+14 bp QoQ

Funding

Brokered / Deposits
0.00%
23th pctile · n=149↓ better
-14 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
1.46%
43th pctile · n=150↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
17.13%
53th pctile · n=150↑ better
-324 bp QoQ
AFS Securities / Assets
17.11%
70th pctile · n=150↑ better
-324 bp QoQ
HTM Securities / Assets
0.00%
22th pctile · n=150↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 09:18:44 UTC