STEL · As filed with the SEC
Stellar Bancorp balance sheet, by fiscal year
The statement as Stellar Bancorp presents it in its 10-Q and 10-K: its own lines, labels and order. Tables over time lines up standardized figures across every filing.
CONSOLIDATED BALANCE SHEETS · USD thousands
| USD thousands | FY2025 Dec 31, 2025 | FY2024 Dec 31, 2024 | FY2023 Dec 31, 2023 | FY2022 Dec 31, 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| Cash and due from banks | 94,331 | 419,967 | 121,004 | 67,063 |
| Interest-bearing deposits at other financial institutions | 325,122 | 491,249 | 278,233 | 304,642 |
| Total cash and cash equivalents | 419,453 | 911,216 | 399,237 | 371,705 |
| Available for sale securities, at fair value | 2,198,459 | 1,673,016 | 1,395,680 | 1,807,586 |
| Loans held for investment | 7,300,591 | 7,439,854 | 7,925,133 | 7,754,751 |
| Less: allowance for credit losses on loans | (83,629) | (81,058) | (91,684) | (93,180) |
| Loans, net | 7,216,962 | 7,358,796 | 7,833,449 | 7,661,571 |
| Accrued interest receivable | 35,869 | 37,884 | 44,244 | 44,743 |
| Premises and equipment, net | 106,118 | 111,856 | 118,683 | 126,803 |
| Federal Home Loan Bank stock | — | 8,209 | 25,051 | 15,058 |
| Federal Reserve Bank and Federal Home Loan Bank stock | 45,532 | — | — | — |
| Bank-owned life insurance | 109,477 | 107,498 | 105,084 | 103,094 |
| Goodwill | 497,318 | 497,318 | 497,318 | 497,260 |
| Core deposit intangibles, net | 71,018 | 92,546 | 116,712 | 143,525 |
| Other assets | 106,388 | 107,451 | 111,681 | 129,092 |
| TOTAL ASSETS | 10,806,594 | 10,905,790 | 10,647,139 | 10,900,437 |
| LIABILITIES AND SHAREHOLDERS’ EQUITY | ||||
| LIABILITIES: | ||||
| Deposits: | ||||
| Noninterest-bearing | 3,407,865 | 3,576,206 | 3,546,815 | 4,230,169 |
| Interest-bearing | ||||
| Demand | 2,114,997 | 1,845,749 | 1,659,999 | 1,591,828 |
| Money market and savings | 2,469,845 | 2,253,193 | 2,136,777 | 2,575,923 |
| Certificates and other time | 1,028,759 | 1,453,236 | 1,529,876 | 869,712 |
| Total interest-bearing deposits | 5,613,601 | 5,552,178 | 5,326,652 | 5,037,463 |
| Total deposits | 9,021,466 | 9,128,384 | 8,873,467 | 9,267,632 |
| Accrued interest payable | 5,508 | 17,052 | 11,288 | 2,098 |
| Borrowed funds | — | 0 | 50,000 | 63,925 |
| Subordinated debt | 40,226 | 70,105 | 109,765 | 109,367 |
| Other liabilities | 70,740 | 82,389 | 81,601 | 74,239 |
| Total liabilities | 9,137,940 | 9,297,930 | 9,126,121 | 9,517,261 |
| SHAREHOLDERS’ EQUITY: | ||||
| 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 |
| 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 | 534 | 533 | 530 |
| Capital surplus | 1,174,894 | 1,240,050 | 1,232,627 | 1,222,761 |
| Retained earnings | 566,216 | 492,640 | 405,945 | 303,146 |
| Accumulated other comprehensive loss | (72,965) | (125,364) | (118,087) | (143,261) |
| Total shareholders’ equity | 1,668,654 | 1,607,860 | 1,521,018 | 1,383,176 |
| TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY | 10,806,594 | 10,905,790 | 10,647,139 | 10,900,437 |
| Common stock, shares authorized (in shares) | — | — | — | 140,000,000 |
As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.