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Income Statement
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Cash Flow
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Balance Sheet
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Ratios
Income Overview
Revenue
$1,635K
Net Income
$26,966K
Net Profit Margin
1649.30%
EPS
$0.53
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
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
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$119,783K
(-0.71%↓ Y/Y)
Taxable
$19,623K
(21.52%↑ Y/Y)
Deposits in other
financial institutions
$4,884K
(3.47%↑ Y/Y)
Tax-exempt
$805K
(-0.86%↓ Y/Y)
Total interest income
$145,095K
(1.95%↑ Y/Y)
Net interest income
$105,931K
(6.72%↑ Y/Y)
Other
$2,339K
(-1.47%↓ Y/Y)
Service charges on
deposit accounts
$1,635K
(3.22%↑ Y/Y)
Bank-owned life insurance
income
$626K
(2.62%↑ Y/Y)
Debit card and
interchange income
$547K
(5.19%↑ Y/Y)
Total interest
expense
$39,164K
(-9.05%↓ Y/Y)
Net interest income
after provision for...
$103,434K
(8.17%↑ Y/Y)
Total noninterest
income
$5,110K
(-7.18%↓ Y/Y)
Provision for credit
losses
$2,497K
(-31.25%↓ Y/Y)
(loss) gain on
sale/write-down of assets
-$37K
(-108.87%↓ Y/Y)
Demand, money market and
savings deposits
$29,644K
(7.51%↑ Y/Y)
Certificates and other time
deposits
$8,624K
(-36.25%↓ Y/Y)
Subordinated debt
$747K
(-48.27%↓ Y/Y)
Borrowed funds
$149K
(-71.18%↓ Y/Y)
Income before income
taxes
$33,380K
(7.80%↑ Y/Y)
Total noninterest
expense
$75,164K
(7.12%↑ Y/Y)
Net income
$26,966K
(9.17%↑ Y/Y)
Provision for income taxes
$6,414K
(2.41%↑ Y/Y)
Salaries and employee
benefits
$43,931K
(5.12%↑ Y/Y)
Other
$6,338K
(4.33%↑ Y/Y)
Data processing and
software amortization
$6,073K
(6.88%↑ Y/Y)
Amortization of intangibles
$4,886K
(-11.93%↓ Y/Y)
Net occupancy and
equipment
$4,575K
(16.53%↑ Y/Y)
Acquisition and
merger-related expenses
$3,307K
Depreciation
$1,971K
(-1.20%↓ Y/Y)
Regulatory assessments and
fdic insurance
$1,639K
(-5.42%↓ Y/Y)
Professional fees
$886K
(-50.39%↓ Y/Y)
Advertising
$799K
(2.17%↑ Y/Y)
Communications
$759K
(-10.39%↓ Y/Y)
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Stellar Bancorp, Inc. (STEL)
Stellar Bancorp, Inc. (STEL)