HIGHBuilt-inGeographic
Houston and Beaumont MSAs
“10-K Item 1A: 'We conduct our operations almost exclusively in the Houston and Beaumont MSAs.'”
STEL · Concentration risk · 10-K extracted
Stellar Bancorp (STEL) concentration risks
Updated
The most significant concentration Stellar Bancorp discloses is Houston and Beaumont MSAs, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Stellar Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH1
MEDIUM2
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inLoan_portfolio
real estate loans (CRE, construction, land)
“10-K Item 1A: 'a significant percentage of our loan portfolio is comprised of real estate loans, including commercial real estate and construction, land development and other land loan portfolios'”
MEDIUMBuilt-inLoan_portfolio
commercial and industrial loans
“10-K Item 1A: 'a large portion of our loan portfolio is comprised of commercial and industrial loans secured by receivables, inventory, equipment or other commercial collateral'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's disclosed concentration profile reflects three structural exposures characteristic of a regionally focused commercial bank. The most prominent is geographic: operations are conducted almost exclusively in the Houston and Beaumont metropolitan statistical areas, a high-share, structural exposure. This regional focus ties the company's loan growth, deposit gathering, and credit quality almost entirely to the economic health of Southeast Texas — a market with significant exposure to energy industry cycles, petrochemical activity, and Gulf Coast weather events. A sustained downturn in these markets would affect the entire franchise simultaneously. Within that geographic footprint, the loan portfolio carries two additional medium-share structural concentrations. Real estate loans — including commercial real estate and construction, land development, and other land portfolios — represent a significant share of the book, consistent with the growth-oriented Texas real estate markets the company serves. Separately, commercial and industrial loans secured by receivables, inventory, equipment, or other commercial collateral represent a large portion of the portfolio, reflecting the company's emphasis on business banking within its market area. These three exposures are tightly coupled: the C&I and real estate concentrations both operate within the Houston and Beaumont geography, so a regional economic disruption — whether driven by energy sector stress, a construction slowdown, or a broader regional recession — would affect all three dimensions concurrently. No named customer, supplier, or counterparty concentration is disclosed in the source claims. On balance, the concentration profile is geographically defined and multi-layered within that region.
For the engine’s reasoning on STEL’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| STEL● | Stellar Bancorp, Inc. | 1 | 2 | 0 | 3 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.