Stellar Bancorp, Inc. (STEL)

Stellar Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	493.75	531.68	537.72	280.38	230.71	225.96
Interest Income on Investments	86.71	70.72	53.1	42.62	22.47	15.8
Total Interest Income	580.45	602.4	590.82	322.99	253.18	241.76
Interest Paid on Deposits	171.66	181.99	128.62	26.96	16.99	31.05
Interest Paid on Borrowings	7.6	12.42	25.44	7.07	7.63	8.03
Total Interest Expense	179.26	194.41	154.06	34.04	24.62	39.08
Net Interest Income	401.19	407.99	436.76	288.96	228.56	202.68
Net Interest Income Growth (YoY)	-2.38%	-6.59%	51.15%	26.42%	12.77%	12.89%
Gain (Loss) on Sale of Assets	-0.24	0.77	0.39	4.05	-0.27	0.29
Other Non-Interest Income	15.28	15.85	18.11	12.61	7.16	6.34
Total Non-Interest Income	21.31	23.05	24.56	20.35	8.56	8.16
Non-Interest Income Growth (YoY)	-14.40%	-6.17%	20.67%	137.73%	4.98%	-39.24%
Revenues Before Loan Losses	422.51	431.04	461.32	309.31	237.13	210.84
Provision for Loan Losses	5.97	-2.88	8.94	50.71	-2.32	27.37
Revenue	416.54	433.92	452.38	258.6	239.45	183.47
Revenue Growth (YoY)	-5.04%	-4.08%	74.93%	8.00%	30.51%	-1.90%
Salaries and Employee Benefits	158.93	154.59	147.09	98.51	86.02	76.59
Occupancy Expenses	17.78	18.22	17.16	10.27	9.97	8.4
Federal Deposit Insurance	6.62	7.57	11.03	4.91	3.41	2.93
Amortization of Goodwill & Intangibles	22.23	24.22	26.88	9.3	3.3	3.92
Selling, General & Administrative	57.39	56.84	51.2	33.24	22.57	20.92
Other Non-Interest Expense	25.63	27.52	21.57	15.7	12.28	9.58
Total Non-Interest Expense	288.58	288.96	274.94	171.94	137.54	127.49
EBT Excluding Unusual Items	127.96	144.96	177.44	86.66	101.91	55.97
Pretax Income	127.96	144.96	161.88	62.52	99.89	55.97
Income Tax Expense	26.03	29.96	31.39	11.09	18.34	10.44
Net Income	101.94	115	130.5	51.43	81.55	45.53
Net Income to Common	101.94	115	130.5	51.43	81.55	45.53
Net Income Growth	-12.92%	-11.87%	153.73%	-36.93%	79.10%	-14.02%
Basic Shares Outstanding	52	53	53	35	29	29
Diluted Shares Outstanding	53	54	53	35	29	29
Shares Change (YoY)	-1.71%	0.37%	52.29%	21.25%	-0.93%	36.02%
EPS (Basic)	1.95	2.15	2.45	1.48	2.85	1.57
EPS (Diluted)	1.94	2.15	2.45	1.47	2.82	1.56
EPS Growth	-11.43%	-12.25%	66.67%	-47.87%	80.77%	-36.84%
Dividend Per Share	0.140	0.530	0.520	0.430	0.480	0.400
Dividend Growth	-73.08%	1.92%	20.93%	-10.42%	20.00%	-
Effective Tax Rate	20.34%	20.67%	19.39%	17.74%	18.36%	18.65%

Updated Oct 24, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q