Stellar Bancorp, Inc. (STEL)

Stellar Bancorp Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	549.57	419.45	911.22	399.24	371.71	757.51
Investment Securities	384.84	693.41	491.28	609.69	1,085	1,030
Trading Asset Securities	4.12	4.26	6.29	6.71	9.27	-
Mortgage-Backed Securities	1,480	1,505	1,182	785.99	722.93	743.65
Total Investments	1,869	2,203	1,679	1,402	1,817	1,774
Gross Loans	7,588	7,301	7,440	7,925	7,755	4,220
Allowance for Loan Losses	-85.43	-83.63	-81.06	-91.68	-93.18	-47.94
Net Loans	7,503	7,217	7,359	7,833	7,662	4,173
Property, Plant & Equipment	99.86	106.12	111.86	118.68	126.8	63.71
Goodwill	497.32	497.32	497.32	497.32	497.26	223.64
Other Intangible Assets	66.14	71.02	92.55	116.71	143.53	14.66
Accrued Interest Receivable	36.59	35.87	37.88	44.24	44.74	33.39
Long-Term Deferred Tax Assets	-	39.11	51.15	52.52	69.5	2.55
Other Real Estate Owned & Foreclosed	9.45	7.49	1.73	-	-	-
Other Long-Term Assets	207.97	165.01	155.78	157.54	153.42	53.83
Total Assets	10,889	10,807	10,906	10,647	10,900	7,105

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	5,142	5,613	4,947	4,778	4,605	3,097
Institutional Deposits	629.76	0.64	605.6	548.4	432.9	707.5
Non-Interest Bearing Deposits	3,211	3,408	3,576	3,547	4,230	2,243
Total Deposits	8,982	9,021	9,128	8,873	9,268	6,048
Short-Term Borrowings	139.11	4.25	6.28	6.69	9.26	-
Current Portion of Leases	3.13	4.09	4.14	4.43	4.63	2.95
Accrued Interest Payable	5.24	5.51	17.05	11.29	2.1	1.75
Long-Term Debt	28.92	28.89	70.11	109.77	109.37	108.85
Federal Home Loan Bank Debt, Long-Term	-	-	-	50	63.93	89.96
Long-Term Leases	12.38	12.21	14.13	16.23	18.5	7.42
Trust Preferred Securities	11.34	11.34	-	-	-	-
Other Long-Term Liabilities	39.46	50.18	57.84	54.25	41.84	29.92
Total Liabilities	9,222	9,138	9,298	9,126	9,517	6,288

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	0.51	0.51	0.53	0.53	0.53	0.29
Additional Paid-In Capital	1,171	1,175	1,240	1,233	1,223	530.85
Retained Earnings	585.4	566.22	492.64	405.95	303.15	267.09
Comprehensive Income & Other	-89.01	-72.97	-125.36	-118.09	-143.26	18.24
Shareholders' Equity	1,668	1,669	1,608	1,521	1,383	816.47
Total Liabilities & Equity	10,889	10,807	10,906	10,647	10,900	7,105

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	194.88	60.79	94.66	187.12	205.69	209.17
Net Cash (Debt)	358.81	362.93	822.85	218.83	175.28	548.34
Net Cash Growth	1.62%	-55.89%	276.02%	24.85%	-68.03%	276.02%
Net Cash Per Share	7.00	7.01	15.38	4.10	5.01	18.99
Filing Date Shares Outstanding	50.92	50.77	52.95	53.3	52.97	20.37
Total Common Shares Outstanding	50.91	50.9	53.43	53.29	52.95	20.34
Book Value Per Share	32.76	32.78	30.09	28.54	26.12	40.15
Tangible Book Value	1,104	1,100	1,018	906.99	742.39	578.17
Tangible Book Value Per Share	21.69	21.62	19.05	17.02	14.02	28.43

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jan 1, 2000

Data Sources Report a data error