STEL · As filed with the SEC

Stellar Bancorp balance sheet, 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 BALANCE SHEETS · USD thousands

USD thousands	Q1 2026 Mar 31, 2026	Q4 2025 Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024 Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024
ASSETS:
Cash and due from banks	107,736	94,331	99,407	136,060	130,932	419,967	103,735	110,341
Interest-bearing deposits at other financial institutions	441,834	325,122	629,042	442,044	429,643	491,249	412,482	379,909
Total cash and cash equivalents	549,570	419,453	728,449	578,104	560,575	911,216	516,217	490,250
Available for sale securities, at fair value	1,864,710	2,198,459	1,842,268	1,729,684	1,719,371	1,673,016	1,691,752	1,630,971
Loans held for investment	7,587,952	7,300,591	7,167,857	7,287,347	7,283,133	7,439,854	7,551,124	7,713,897
Less: allowance for credit losses on loans	(85,431)	(83,629)	(78,924)	(83,165)	(83,746)	(81,058)	(84,501)	(94,772)
Loans, net	7,502,521	7,216,962	7,088,933	7,204,182	7,199,387	7,358,796	7,466,623	7,619,125
Accrued interest receivable	36,589	35,869	34,865	35,537	37,669	37,884	39,473	43,348
Premises and equipment, net	99,861	106,118	107,803	108,615	109,750	111,856	113,742	113,984
Federal Home Loan Bank stock	—	—	—	—	20,902	8,209	20,123	15,089
Federal Reserve Bank and Federal Home Loan Bank stock	51,105	45,532	45,437	47,099	—	—	—	—
Bank-owned life insurance	110,103	109,477	109,358	108,726	108,108	107,498	106,876	106,262
Goodwill	497,318	497,318	497,318	497,318	497,318	497,318	497,318	497,318
Core deposit intangibles, net	66,137	71,018	75,929	81,468	87,007	92,546	98,116	104,315
Other assets	111,442	106,388	97,753	102,277	94,800	107,451	79,537	103,001
TOTAL ASSETS	10,889,356	10,806,594	10,628,113	10,493,010	10,434,887	10,905,790	10,629,777	10,723,663
LIABILITIES:
Deposits:
Noninterest-bearing	3,210,579	3,407,865	3,210,948	3,183,693	3,205,619	3,576,206	3,303,048	3,308,441
Interest-bearing
Demand	2,171,968	2,114,997	1,960,857	1,941,156	1,863,752	1,845,749	1,571,504	1,564,405
Money market and savings	2,596,972	2,469,845	2,489,169	2,393,767	2,248,616	2,253,193	2,280,651	2,213,031
Certificates and other time	1,002,491	1,028,759	1,156,489	1,154,998	1,244,726	1,453,236	1,587,398	1,639,426
Total interest-bearing deposits	5,771,431	5,613,601	5,606,515	5,489,921	5,357,094	5,552,178	5,439,553	5,416,862
Total deposits	8,982,010	9,021,466	8,817,463	8,673,614	8,562,713	9,128,384	8,742,601	8,725,303
Accrued interest payable	5,240	5,508	9,429	7,607	9,856	17,052	16,915	12,327
Borrowed funds	135,000	—	—	69,925	119,923	0	60,000	240,000
Subordinated debt	40,256	40,226	70,196	70,165	70,135	70,105	110,064	109,964
Other liabilities	59,085	70,740	77,887	67,865	61,428	82,389	74,074	70,274
Total liabilities	9,221,591	9,137,940	8,974,975	8,889,176	8,824,055	9,297,930	9,003,654	9,157,868
SHAREHOLDERS’ EQUITY:
Preferred stock, $0.01 par value; 10,000,000 shares authorized; no shares issued or outstanding at March 31, 2026 and December 31, 2025	0	0	0	0	0	0	0	0
Common stock, $0.01 par value; 140,000,000 shares authorized; 50,911,515 shares issued and outstanding at March 31, 2026 and 50,902,024 shares issued and outstanding at December 31, 2025	509	509	512	514	521	534	535	536
Capital surplus	1,170,867	1,174,894	1,182,781	1,185,048	1,202,628	1,240,050	1,238,619	1,238,477
Retained earnings	585,403	566,216	547,717	529,216	510,072	492,640	474,905	447,948
Accumulated other comprehensive loss	(89,014)	(72,965)	(77,872)	(110,944)	(102,389)	(125,364)	(87,936)	(121,166)
Total shareholders’ equity	1,667,765	1,668,654	1,653,138	1,603,834	1,610,832	1,607,860	1,626,123	1,565,795
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	10,889,356	10,806,594	10,628,113	10,493,010	10,434,887	10,905,790	10,629,777	10,723,663

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