v3.26.1
REGULATORY CAPITAL MATTERS (Details)
$ in Thousands
Mar. 31, 2026
USD ($)
Dec. 31, 2025
USD ($)
Total Capital    
Capital $ 1,322,183 $ 1,301,075
Capital to Risk Weighted Assets (as a percent) 0.1548 0.1573
Capital Required for Capital Adequacy $ 683,464 $ 661,851
Capital Required for Capital Adequacy to Risk Weighted Assets (as a percent) 0.0800 0.0800
Plus Capital Conservation Buffer $ 897,046 $ 868,679
Plus Capital Conservation Buffer to Risk Weighted Assets (as a percent) 0.1050 0.1050
Common Equity Tier 1 Capital    
Common Equity Tier 1 Risk Based Capital $ 1,193,324 $ 1,173,283
Common Equity Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent) 0.1397 0.1418
Common Equity Tier 1 Risk Based Capital Required for Capital Adequacy $ 384,448 $ 372,291
Common Equity Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets (as a percent) 0.0450 0.0450
Plus Common Equity Tier 1 Risk Based Capital $ 598,031 $ 579,119
Plus Common Equity Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent) 0.0700 0.0700
Tier 1 Capital (to risk-weighted assets)    
Tier 1 Risk Based Capital $ 1,203,580 $ 1,183,509
Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent) 0.1409 0.1431
Tier 1 Risk Based Capital Required for Capital Adequacy $ 512,598 $ 496,388
Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets (as a percent) 0.0600 0.0600
Plus Tier 1 Risk Based Capital $ 726,180 $ 703,216
Plus Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent) 0.0850 0.0850
Tier 1 Leverage (to average tangible assets)    
Tier 1 Leverage Capital $ 1,203,580 $ 1,183,509
Tier 1 Leverage Capital to Average Assets (as a percent) 0.1129 0.1152
Tier 1 Leverage Capital Required for Capital Adequacy $ 426,520 $ 410,785
Tier 1 Leverage Capital Required for Capital Adequacy to Average Assets (as a percent) 0.0400 0.0400
Plus Tier 1 Leverage Capital $ 426,520 $ 410,785
Plus Tier 1 Leverage Capital to Average Assets (as a percent) 0.0400 0.0400
Stellar Bank    
Total Capital    
Capital $ 1,256,576 $ 1,241,007
Capital to Risk Weighted Assets (as a percent) 0.1474 0.1503
Capital Required for Capital Adequacy $ 682,062 $ 660,452
Capital Required for Capital Adequacy to Risk Weighted Assets (as a percent) 0.0800 0.0800
Plus Capital Conservation Buffer $ 895,206 $ 866,844
Plus Capital Conservation Buffer to Risk Weighted Assets (as a percent) 0.1050 0.1050
Capital Required to be Well Capitalized $ 852,577 $ 825,566
Capital Required to be Well Capitalized to Risk Weighted Assets (as a percent) 0.1000 0.1000
Common Equity Tier 1 Capital    
Common Equity Tier 1 Risk Based Capital $ 1,155,974 $ 1,141,442
Common Equity Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent) 0.1356 0.1383
Common Equity Tier 1 Risk Based Capital Required for Capital Adequacy $ 383,660 $ 371,504
Common Equity Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets (as a percent) 0.0450 0.0450
Plus Common Equity Tier 1 Risk Based Capital $ 596,804 $ 577,896
Plus Common Equity Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent) 0.0700 0.0700
Common Equity Tier 1 Risk Based Capital Required to be Well Capitalized $ 554,175 $ 536,618
Common Equity Tier 1 Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets (as a percent) 0.0650 0.0650
Tier 1 Capital (to risk-weighted assets)    
Tier 1 Risk Based Capital $ 1,155,974 $ 1,141,442
Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent) 0.1356 0.1383
Tier 1 Risk Based Capital Required for Capital Adequacy $ 511,546 $ 495,339
Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets (as a percent) 0.0600 0.0600
Plus Tier 1 Risk Based Capital $ 724,691 $ 701,731
Plus Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent) 0.0850 0.0850
Tier 1 Risk Based Capital Required to be Well Capitalized $ 682,062 $ 660,452
Tier 1 Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets (as a percent) 0.0800 0.0800
Tier 1 Leverage (to average tangible assets)    
Tier 1 Leverage Capital $ 1,155,974 $ 1,141,442
Tier 1 Leverage Capital to Average Assets (as a percent) 0.1086 0.1114
Tier 1 Leverage Capital Required for Capital Adequacy $ 425,814 $ 410,038
Tier 1 Leverage Capital Required for Capital Adequacy to Average Assets (as a percent) 0.0400 0.0400
Plus Tier 1 Leverage Capital $ 425,814 $ 410,038
Plus Tier 1 Leverage Capital to Average Assets (as a percent) 0.0400 0.0400
Tier 1 Leverage Capital Required to be Well Capitalized $ 532,267 $ 512,548
Tier 1 Leverage Capital Required to be Well Capitalized to Average Assets (as a percent) 0.0500 0.0500