Financial insights of STEL

MyFinsight

For the quarter ending 2026-03-31, STEL made $1,635K in revenue. $26,966K in net income. Net profit margin of 1649.30%.

Income Overview

Revenue
$1,635K
Net Income
$26,966K
Net Profit Margin
1649.30%
EPS
$0.53
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Service charges on deposit accounts	1,635	1,592	1,545	1,561
(loss) gain on sale/write-down of assets	-37	-171	-491	-57
Bank-owned life insurance income	626	1,026	632	618
Debit card and interchange income	547	583	572	566
Other	2,339	2,478	2,728	3,103
Total noninterest income	5,110	5,508	4,986	5,791
Loans, including fees	119,783	119,866	122,557	121,814
Taxable	19,623	17,619	16,278	15,293
Tax-exempt	805	808	808	810
Deposits in other financial institutions	4,884	5,745	5,770	4,782
Total interest income	145,095	144,038	145,413	142,699
Demand, money market and savings deposits	29,644	29,484	32,376	31,097
Certificates and other time deposits	8,624	10,370	10,920	11,459
Borrowed funds	149	6	56	407
Subordinated debt	747	795	1,417	1,401
Total interest expense	39,164	40,655	44,769	44,364
Net interest income	105,931	103,383	100,644	98,335
Provision for credit losses	2,497	5,131	305	1,090
Net interest income after provision for credit losses	103,434	98,252	100,339	97,245
Salaries and employee benefits	43,931	42,913	43,175	40,927
Net occupancy and equipment	4,575	4,776	4,518	4,399
Depreciation	1,971	2,056	2,015	1,992
Data processing and software amortization	6,073	5,796	5,882	5,620
Professional fees	886	1,587	1,601	1,287
Regulatory assessments and fdic insurance	1,639	1,205	1,688	1,561
Amortization of intangibles	4,886	4,930	5,554	5,548
Communications	759	872	855	861
Advertising	799	1,333	1,425	1,167
Acquisition and merger-related expenses	3,307	0	-	-
Other	6,338	6,690	6,429	6,642
Total noninterest expense	75,164	72,158	73,142	70,004
Income before income taxes	33,380	31,602	32,183	33,032
Provision for income taxes	6,414	5,454	6,513	6,680
Net income	26,966	26,148	25,670	26,352

Basic EPS	0.53	0.512	0.5	0.51
Diluted EPS	0.53	0.512	0.5	0.51
Basic Average Shares	50,829,000	51,066,000	51,283,000	51,529,000
Diluted Average Shares	50,944,000	51,110,000	51,356,000	51,569,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Revenue
$1,635K
Net Income
$26,966K
Net Profit Margin
1649.30%
EPS
$0.53
Unit: Thousand (K) dollars

Time Plot

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Income Statement

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Income Overview

Revenue
$1,635K
Net Income
$26,966K
Net Profit Margin
1649.30%
EPS
$0.53
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$1,635KNet Income$26,966KNet Profit Margin1649.30%EPS$0.53Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$1,635KNet Income$26,966KNet Profit Margin1649.30%EPS$0.53Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$1,635K
Net Income
$26,966K
Net Profit Margin
1649.30%
EPS
$0.53
Unit: Thousand (K) dollars

Revenue
$1,635K
Net Income
$26,966K
Net Profit Margin
1649.30%
EPS
$0.53
Unit: Thousand (K) dollars