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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	560.58	911.22	399.24	371.71	757.51	422.77
Investment Securities	1,719	491.28	609.69	1,085	1,030	517.23
Trading Asset Securities	-	6.29	6.71	9.27	-	-
Mortgage-Backed Securities	-	1,182	785.99	722.93	743.65	255.66
Total Investments	1,719	1,679	1,402	1,817	1,774	772.89
Gross Loans	7,283	7,440	7,925	7,755	4,220	4,492
Allowance for Loan Losses	-83.75	-81.06	-91.68	-93.18	-47.94	-53.17
Net Loans	7,199	7,359	7,833	7,662	4,173	4,439
Property, Plant & Equipment	109.75	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	87.01	92.55	116.71	143.53	14.66	17.95
Accrued Interest Receivable	37.67	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	-	-	-	-	-	9.2
Other Long-Term Assets	202.91	157.51	157.54	153.42	53.83	46.6
Total Assets	10,435	10,906	10,647	10,900	7,105	6,050
Interest Bearing Deposits	5,357	4,947	4,778	4,605	3,097	2,557
Institutional Deposits	-	605.62	548.4	432.9	707.5	726.8
Non-Interest Bearing Deposits	3,206	3,576	3,547	4,230	2,243	1,705
Total Deposits	8,563	9,128	8,873	9,268	6,048	4,988
Short-Term Borrowings	-	6.28	6.69	9.26	-	1.25
Current Portion of Leases	-	4.14	4.43	4.63	2.95	3.07
Accrued Interest Payable	9.86	17.05	11.29	2.1	1.75	2.7
Long-Term Debt	70.14	58.76	109.77	109.37	108.85	263.84
Federal Home Loan Bank Debt, Long-Term	119.92	-	50	63.93	89.96	-
Long-Term Leases	-	14.13	16.23	18.5	7.42	8.78
Trust Preferred Securities	-	11.34	-	-	-	-
Other Long-Term Liabilities	61.43	57.84	54.25	41.84	29.92	23.34
Total Liabilities	8,824	9,298	9,126	9,517	6,288	5,291
Common Stock	0.52	0.53	0.53	0.53	0.29	20.21
Additional Paid-In Capital	1,203	1,240	1,233	1,223	530.85	508.79
Retained Earnings	510.07	492.64	405.95	303.15	267.09	195.24
Comprehensive Income & Other	-102.39	-125.36	-118.09	-143.26	18.24	34.43
Shareholders' Equity	1,611	1,608	1,521	1,383	816.47	758.67
Total Liabilities & Equity	10,435	10,906	10,647	10,900	7,105	6,050
Total Debt	190.06	94.66	187.12	205.69	209.17	276.94
Net Cash (Debt)	370.52	822.85	218.83	175.28	548.34	145.83
Net Cash Growth	570.82%	276.02%	24.85%	-68.03%	276.02%	-3.72%
Net Cash Per Share	6.93	15.38	4.10	5.01	18.99	5.00
Filing Date Shares Outstanding	52.14	52.95	53.3	52.97	20.37	20.17
Total Common Shares Outstanding	52.14	53.43	53.29	52.95	20.34	20.21
Book Value Per Share	30.89	30.09	28.54	26.12	40.15	37.54
Tangible Book Value	1,027	1,018	906.99	742.39	578.17	517.07
Tangible Book Value Per Share	19.69	19.05	17.02	14.02	28.43	25.59

Updated Apr 25, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q