STEL · As filed with the SEC

Stellar Bancorp income statement, by quarter

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 STATEMENTS OF INCOME · USD thousands, except per-share amounts

USD thousands, except per-share amounts	Q1 2026 3 months ended Mar 31, 2026	Q4 2025^† 3 months ended Dec 31, 2025	Q3 2025 3 months ended Sep 30, 2025	Q2 2025 3 months ended Jun 30, 2025	Q1 2025 3 months ended Mar 31, 2025	Q4 2024^† 3 months ended Dec 31, 2024
INTEREST INCOME:
Loans, including fees	119,783	119,866^†	122,557	121,814	120,640	128,738^†
Securities:
Taxable	19,623	17,619^†	16,278	15,293	16,148	14,789^†
Tax-exempt	805	808^†	808	810	812	814^†
Deposits in other financial institutions	4,884	5,745^†	5,770	4,782	4,720	5,681^†
Total interest income	145,095	144,038^†	145,413	142,699	142,320	150,022^†
INTEREST EXPENSE:
Demand, money market and savings deposits	29,644	29,484^†	32,376	31,097	27,574	27,877^†
Certificates and other time deposits	8,624	10,370^†	10,920	11,459	13,527	16,830^†
Borrowed funds	149	6^†	56	407	517	235^†
Subordinated debt	747	795^†	1,417	1,401	1,444	2,123^†
Total interest expense	39,164	40,655^†	44,769	44,364	43,062	47,065^†
NET INTEREST INCOME	105,931	103,383^†	100,644	98,335	99,258	102,957^†
Provision for credit losses	2,497	5,131^†	305	1,090	3,632	942^†
Net interest income after provision for credit losses	103,434	98,252^†	100,339	97,245	95,626	102,015^†
NONINTEREST INCOME:
Service charges on deposit accounts	1,635	1,592^†	1,545	1,561	1,584	1,590^†
(Loss) gain on sale/write-down of assets	(37)	(171)^†	(491)	(57)	417	(112)^†
Bank-owned life insurance income	626	1,026^†	632	618	610	622^†
Debit card and interchange income	547	583^†	572	566	520	570^†
Other	2,339	2,478^†	2,728	3,103	2,374	2,362^†
Total noninterest income	5,110	5,508^†	4,986	5,791	5,505	5,032^†
NONINTEREST EXPENSE:
Salaries and employee benefits	43,931	42,913^†	43,175	40,927	41,792	43,797^†
Net occupancy and equipment	4,575	4,776^†	4,518	4,399	3,926	4,401^†
Depreciation	1,971	2,056^†	2,015	1,992	1,995	1,984^†
Data processing and software amortization	6,073	5,796^†	5,882	5,620	5,682	5,551^†
Professional fees	886	1,587^†	1,601	1,287	1,786	3,428^†
Regulatory assessments and FDIC insurance	1,639	1,205^†	1,688	1,561	1,733	1,636^†
Amortization of intangibles	4,886	4,930^†	5,554	5,548	5,548	5,581^†
Communications	759	872^†	855	861	847	807^†
Advertising	799	1,333^†	1,425	1,167	782	1,593^†
Acquisition and merger-related expenses	3,307	—	—	—	—	—
Other	6,338	6,690^†	6,429	6,642	6,075	6,488^†
Total noninterest expense	75,164	72,158^†	73,142	70,004	70,166	75,266^†
INCOME BEFORE INCOME TAXES	33,380	31,602^†	32,183	33,032	30,965	31,781^†
Provision for income taxes	6,414	5,454^†	6,513	6,680	6,263	6,569^†
NET INCOME	26,966	26,148^†	25,670	26,352	24,702	25,212^†
EARNINGS PER SHARE:
Basic (in dollars per share)	0.53	—	0.50	0.51	0.46	—
Diluted (in dollars per share)	0.53	—	0.50	0.51	0.46	—
DIVIDENDS PER SHARE (in dollars per share)	0.15	—	0.14	0.14	0.14	—

† Derived: worked out from the filings, not stated in them. A fourth quarter is the 10-K year less the nine months in the third-quarter 10-Q; a quarter of cash flows is year to date less the prior year to date.

As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.