Stellar Bancorp, Inc.

Listed Company

STELCIK 0001473844NYSELarge AcceleratedNational Commercial BanksTexasFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

—

Total Assets

$10.81B

Equity

$1.67B

Shares Out

50.92M

Op. Cash Flow

$97.00M

STEL$39.27+40.25% · past yearDBEQ Basic

Daily closing prices

Business

Stellar Bancorp, Inc. is a Texas-based bank holding company that operates Stellar Bank, providing diversified commercial banking services to small- and medium-sized businesses, professionals, and individuals primarily in the Houston and Beaumont regions of Texas. The company offers commercial loans, SBA-guaranteed loans, mortgage and consumer loans, deposit products, cash management, and other community banking services through a network of banking centers. The company operates a community banking strategy combining local service delivery with the scale and technology of larger institutions.

Summary from 10-K filed 2026-02-26

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including fees	485	532	538	280	231
Taxable	65	50	38	27	12
Tax-exempt	3	3	3	11	10
Deposits in other financial institutions	21	18	12	5	673,000
Total interest income	574	602	591	323	253
Demand, money market and savings deposits	121	113	87	19	5
Certificates and other time deposits	46	69	41	8	12
Borrowed funds	986,000	5	18	1	2
Subordinated debt	5	8	8	6	6
Total interest expense	173	194	154	34	—
NET INTEREST INCOME	402	408	437	289	229
Provision for (reversal of) credit losses	10	−3	9	51	−2
Net interest income after provision for credit losses	391	411	428	238	231
Service charges on deposit accounts	6	6	6	4	—
(Loss) gain on sale/write-down of assets	−302,000	769,000	390,000	4	—
Bank-owned life insurance income	3	2	2	1	554,000
Debit card and interchange income	2	2	5	4	3
Other	11	11	11	7	3
Total noninterest income	22	23	25	20	9
Salaries and employee benefits	169	165	157	108	90
Net occupancy and equipment	18	18	17	10	9
Depreciation	8	8	8	5	4
Data processing and software amortization	23	22	20	11	9
Professional fees	6	9	8	4	3
Regulatory assessments and FDIC insurance	6	8	11	5	3
Amortization of intangibles	22	24	27	9	3
Communications	3	3	3	2	1
Advertising	5	4	4	2	2
Acquisition and merger-related expenses	0	0	16	24	2
Other	26	28	22	16	12
Total noninterest expense	285	289	290	196	140
INCOME BEFORE INCOME TAXES	128	145	162	63	100
Provision for income taxes	25	30	31	11	18
NET INCOME	103	115	130	51	82
Basic (in dollars per share)	1.99	2.15	2.45	1.48	2.85
Diluted (in dollars per share)	1.99	2.15	2.45	1.47	2.82
DIVIDENDS PER SHARE (in dollars per share)	0.57	0.53	0.52	0.43	0.34

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	94	420	121	67	24
Interest-bearing deposits at other financial institutions	325	491	278	305	734
Total cash and cash equivalents	419	911	399	372	758
Available for sale securities, at fair value	2,198	1,673	1,396	1,808	1,774
Loans held for investment	7,301	7,440	7,925	7,755	4,220
Less: allowance for credit losses on loans	−84	−81	−92	−93	−48
Loans, net	7,217	7,359	7,833	7,662	4,173
Accrued interest receivable	36	38	44	45	33
Premises and equipment, net	106	112	119	127	64
Federal Reserve Bank and Federal Home Loan Bank stock	46	8	—	—	—
Bank-owned life insurance	109	107	105	103	28
Goodwill	497	497	497	497	224
Core deposit intangibles, net	71	93	117	144	15
Other assets	106	107	112	129	28
TOTAL ASSETS	10,807	10,906	10,647	10,900	7,105
Noninterest-bearing	3,408	3,576	3,547	4,230	2,243
Demand	2,115	1,846	1,660	1,592	870
Money market and savings	2,470	2,253	2,137	2,576	1,644
Certificates and other time	1,029	1,453	1,530	870	1,291
Total interest-bearing deposits	5,614	5,552	5,327	5,037	3,805
Total deposits	9,021	9,128	8,873	9,268	6,048
Accrued interest payable	6	17	11	2	2
Subordinated debt	40	70	110	109	109
Other liabilities	71	82	82	74	40
Total liabilities	9,138	9,298	9,126	9,517	6,288
COMMITMENTS AND CONTINGENCIES (See Note 13)	—	—	—	—	—
Preferred stock, $0.01 par value; 10,000,000 shares authorized; no shares issued or outstanding at both December 31, 2025 and 2024	0	0	0	0	0
Common stock, $0.01 par value; 140,000,000 shares authorized, 50,902,024 shares issued and outstanding at December 31, 2025 and 53,428,699 shares issued and outstanding at December 31, 2024	509,000	534,000	533,000	530,000	289,000
Capital surplus	1,175	1,240	1,233	1,223	531
Retained earnings	566	493	406	303	267
Accumulated other comprehensive loss	−73	−125	−118	−143	18
Total shareholders equity	1,669	1,608	1,521	1,383	816
TOTAL LIABILITIES AND SHAREHOLDERS EQUITY	10,807	10,906	10,647	10,900	7,105

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation and intangibles amortization	30	32	34	14	8
Net accretion of discount on loans	−16	−33	−47	−8	−458,000
Net amortization of premium on securities	−3	6	7	6	8
Deferred income tax (benefit) expense	−2	3	10	2	3
Stock-based compensation expense	9	11	10	9	4
Net change in operating leases	3	4	4	3	3
Federal Reserve Bank and Federal Home Loan Bank stock dividends	−694,000	−971,000	−1	—	—
Loss (gain) on sale/write-down of assets	302,000	−769,000	−390,000	−4	272,000
Excess tax benefit from stock-based compensation	107,000	136,000	−61,000	−396,000	—
Increase in accrued interest receivable and other assets	−6	−4	−2	3	−1
(Decrease) increase in accrued interest payable and other liabilities	−28	5	16	−16	5
Net cash provided by operating activities	97	133	168	109	107
Purchase of available for sale securities	−6,387	−5,537	−4,093	−2,446	−4,316
Proceeds from maturities and principal paydowns of available for sale securities	5,794	5,237	4,137	2,352	3,282
Proceeds from sales and calls of available for sale securities	137	7	393	365	5
Net change in total loans	140	518	−135	−561	277
Purchase of bank premises and equipment	−4	−5	−7	−4	−3
Proceeds from sale of bank premises, equipment and other real estate	9	8	9	2	2
Net (purchase) redemption of Federal Reserve Bank and Federal Home Loan Bank stock	−37	18	−9	−6	−2
Net cash (used in) provided by investing activities	−348	246	295	74	−755
Net (decrease) increase in noninterest-bearing deposits	−168	29	−683	207	539
Net increase in interest-bearing deposits	61	226	289	−710	521
Dividends paid to common shareholders	−29	−28	−28	−15	−10
Repayment of subordinated debt	−30	−40	0	0	—
Net change in borrowings	0	−50	−14	−26	−50
Payments made from the issuance of restricted stock and stock option exercises	−980,000	−498,000	−76,000	77,000	4
Repurchase of common stock	−73	−3	0	−24	−6
Net cash (used in) provided by financing activities	−241	133	−436	−569	982
NET CHANGE IN CASH AND CASH EQUIVALENTS	−492	512	28	−386	335

Filings

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Frequently asked questions

What is Stellar Bancorp, Inc.'s CIK number?

Stellar Bancorp, Inc.'s SEC CIK number is 0001473844 (1473844). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find Stellar Bancorp, Inc.'s SEC filings?

All of Stellar Bancorp, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did Stellar Bancorp, Inc. last report earnings?

Stellar Bancorp, Inc. (STEL) most recently filed an earnings 8-K with the SEC on Apr 28, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001473844-26-000023). This is Stellar Bancorp, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.

What is Stellar Bancorp, Inc.'s most recent earnings 8-K?

Stellar Bancorp, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 28, 2026 under accession 0001473844-26-000023. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View Stellar Bancorp, Inc.'s latest earnings 8-K →
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