Financial insights of STEL

MyFinsight

For the year ending 2025-12-31, STEL made $6,282K in revenue. $102,872K in net income. Net profit margin of 1637.57%.

Income Statement	2025-12-31	2024-12-31
Service charges on deposit accounts	6,282	6,430
(loss) gain on sale/write-down of assets	-302	769
Bank-owned life insurance income	2,886	2,414
Debit card and interchange income	2,241	2,191
Other	10,683	11,242
Total noninterest income	21,790	23,046
Loans, including fees	484,877	531,680
Taxable	65,338	49,903
Tax-exempt	3,238	3,262
Deposits in other financial institutions	21,017	17,555
Total interest income	574,470	602,400
Demand, money market and savings deposits	120,531	113,246
Certificates and other time deposits	46,276	68,745
Borrowed funds	986	4,549
Subordinated debt	5,057	7,868
Total interest expense	172,850	194,408
Net interest income	401,620	407,992
Provision for (reversal of) credit losses	10,158	-2,880
Net interest income after provision for credit losses	391,462	410,872
Salaries and employee benefits	168,807	165,357
Net occupancy and equipment	17,619	17,864
Depreciation	8,058	7,807
Data processing and software amortization	22,980	21,652
Professional fees	6,261	9,424
Regulatory assessments and fdic insurance	6,187	7,568
Amortization of intangibles	21,580	24,220
Communications	3,435	3,418
Advertising	4,707	4,127
Acquisition and merger-related expenses	0	-
Other	25,836	27,521
Total noninterest expense	285,470	288,958
Income before income taxes	127,782	144,960
Provision for income taxes	24,910	29,957
Net income	102,872	115,003

Basic EPS	1.99	2.15
Diluted EPS	1.99	2.15
Basic Average Shares	51,756,000	53,469,000
Diluted Average Shares	51,808,000	53,510,000