Stellar Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	419.45	911.22	399.24	371.71	757.51
Investment Securities	2,198	491.28	609.69	1,085	1,030
Trading Asset Securities	-	6.29	6.71	9.27	-
Mortgage-Backed Securities	-	1,182	785.99	722.93	743.65
Total Investments	2,198	1,679	1,402	1,817	1,774
Gross Loans	7,301	7,440	7,925	7,755	4,220
Allowance for Loan Losses	-83.63	-81.06	-91.68	-93.18	-47.94
Net Loans	7,217	7,359	7,833	7,662	4,173
Property, Plant & Equipment	106.12	111.86	118.68	126.8	63.71
Goodwill	497.32	497.32	497.32	497.26	223.64
Other Intangible Assets	71.02	92.55	116.71	143.53	14.66
Accrued Interest Receivable	35.87	37.88	44.24	44.74	33.39
Long-Term Deferred Tax Assets	-	51.15	52.52	69.5	2.55
Other Long-Term Assets	215.87	157.51	157.54	153.42	53.83
Total Assets	10,807	10,906	10,647	10,900	7,105
Interest Bearing Deposits	5,614	4,947	4,778	4,605	3,097
Institutional Deposits	-	605.62	548.4	432.9	707.5
Non-Interest Bearing Deposits	3,408	3,576	3,547	4,230	2,243
Total Deposits	9,021	9,128	8,873	9,268	6,048
Short-Term Borrowings	-	6.28	6.69	9.26	-
Current Portion of Leases	-	4.14	4.43	4.63	2.95
Accrued Interest Payable	5.51	17.05	11.29	2.1	1.75
Long-Term Debt	40.23	58.76	109.77	109.37	108.85
Federal Home Loan Bank Debt, Long-Term	-	-	50	63.93	89.96
Long-Term Leases	-	14.13	16.23	18.5	7.42
Trust Preferred Securities	-	11.34	-	-	-
Other Long-Term Liabilities	70.74	57.84	54.25	41.84	29.92
Total Liabilities	9,138	9,298	9,126	9,517	6,288
Common Stock	0.51	0.53	0.53	0.53	0.29
Additional Paid-In Capital	1,175	1,240	1,233	1,223	530.85
Retained Earnings	566.22	492.64	405.95	303.15	267.09
Comprehensive Income & Other	-72.97	-125.36	-118.09	-143.26	18.24
Shareholders' Equity	1,669	1,608	1,521	1,383	816.47
Total Liabilities & Equity	10,807	10,906	10,647	10,900	7,105
Total Debt	40.23	94.66	187.12	205.69	209.17
Net Cash (Debt)	379.23	822.85	218.83	175.28	548.34
Net Cash Growth	-53.91%	276.02%	24.85%	-68.03%	276.02%
Net Cash Per Share	7.32	15.38	4.10	5.01	18.99
Filing Date Shares Outstanding	50.9	52.95	53.3	52.97	20.37
Total Common Shares Outstanding	50.9	53.43	53.29	52.95	20.34
Book Value Per Share	32.78	30.09	28.54	26.12	40.15
Tangible Book Value	1,100	1,018	906.99	742.39	578.17
Tangible Book Value Per Share	21.62	19.05	17.02	14.02	28.43

Source: S&P Global Market Intelligence. Banks template. Financial Sources.