Stellar Bancorp, Inc. (STEL)

Stellar Bancorp Balance Sheet

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
Cash & Equivalents	728.45	911.22	399.24	371.71	757.51	422.77
Investment Securities	461.1	491.28	609.69	1,085	1,030	517.23
Trading Asset Securities	3.87	6.29	6.71	9.27	-	-
Mortgage-Backed Securities	1,381	1,182	785.99	722.93	743.65	255.66
Total Investments	1,846	1,679	1,402	1,817	1,774	772.89
Gross Loans	7,168	7,440	7,925	7,755	4,220	4,492
Allowance for Loan Losses	-78.92	-81.06	-91.68	-93.18	-47.94	-53.17
Net Loans	7,089	7,359	7,833	7,662	4,173	4,439
Property, Plant & Equipment	107.8	111.86	118.68	126.8	63.71	70.69
Goodwill	497.32	497.32	497.32	497.26	223.64	223.64
Other Intangible Assets	75.93	92.55	116.71	143.53	14.66	17.95
Accrued Interest Receivable	34.87	37.88	44.24	44.74	33.39	40.05
Long-Term Deferred Tax Assets	-	51.15	52.52	69.5	2.55	-
Other Real Estate Owned & Foreclosed	7.94	-	-	-	-	9.2
Other Long-Term Assets	195.3	157.51	157.54	153.42	53.83	46.6
Total Assets	10,628	10,906	10,647	10,900	7,105	6,050
Interest Bearing Deposits	4,978	4,947	4,778	4,605	3,097	2,557
Institutional Deposits	628.5	605.62	548.4	432.9	707.5	726.8
Non-Interest Bearing Deposits	3,211	3,576	3,547	4,230	2,243	1,705
Total Deposits	8,817	9,128	8,873	9,268	6,048	4,988
Short-Term Borrowings	3.86	6.28	6.69	9.26	-	1.25
Current Portion of Leases	1.07	4.14	4.43	4.63	2.95	3.07
Accrued Interest Payable	9.43	17.05	11.29	2.1	1.75	2.7
Long-Term Debt	58.86	58.76	109.77	109.37	108.85	263.84
Federal Home Loan Bank Debt, Long-Term	-	-	50	63.93	89.96	-
Long-Term Leases	16.13	14.13	16.23	18.5	7.42	8.78
Trust Preferred Securities	11.34	11.34	-	-	-	-
Other Long-Term Liabilities	56.83	57.84	54.25	41.84	29.92	23.34
Total Liabilities	8,975	9,298	9,126	9,517	6,288	5,291
Common Stock	0.51	0.53	0.53	0.53	0.29	20.21
Additional Paid-In Capital	1,183	1,240	1,233	1,223	530.85	508.79
Retained Earnings	547.72	492.64	405.95	303.15	267.09	195.24
Comprehensive Income & Other	-77.87	-125.36	-118.09	-143.26	18.24	34.43
Shareholders' Equity	1,653	1,608	1,521	1,383	816.47	758.67
Total Liabilities & Equity	10,628	10,906	10,647	10,900	7,105	6,050
Total Debt	91.25	94.66	187.12	205.69	209.17	276.94
Net Cash (Debt)	641.06	822.85	218.83	175.28	548.34	145.83
Net Cash Growth	95.97%	276.02%	24.85%	-68.03%	276.02%	-3.72%
Net Cash Per Share	12.24	15.38	4.10	5.01	18.99	5.00
Filing Date Shares Outstanding	51.19	52.95	53.3	52.97	20.37	20.17
Total Common Shares Outstanding	51.23	53.43	53.29	52.95	20.34	20.21
Book Value Per Share	32.27	30.09	28.54	26.12	40.15	37.54
Tangible Book Value	1,080	1,018	906.99	742.39	578.17	517.07
Tangible Book Value Per Share	21.08	19.05	17.02	14.02	28.43	25.59

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

SEC Filings: 10-K · 10-Q