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Stellar Bancorp Inc (STEL) Annual Income Statement

Annual · GAAP · USD millions
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Income statement data covering Stellar Bancorp Inc–Dec 31 2021 offers a view into how Dec 31 2025's operating results have moved alongside business activity.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases484.88
Interest and Dividend Income, Securities, Operating3.24
Interest Income, Other Domestic Deposits0.00
Interest Income, Deposits with Financial Institutions21.02
Other Income65.34
Total Interest Income574.47
Interest Expense, Deposits46.28
Interest Expense, Long-term Debt and Capital Securities0.00
Interest Expense, Borrowings0.99
Total Interest Expense172.85
Net Interest Income401.62
Provision for loan losses10.16
Total Net Interest Income391.46
Other Revenue Expense From Real Estate Operations0.00
Revenue From Contract With Customer Including Assessed Tax6.28
Other Non-interest Income10.68
Gain (Loss) on Disposition of Assets and Other Investments-0.30
Other Non-Interest Income5.13
Total Non-interest Income21.79
Total Revenues413.25
Costs & Expenses
Salaries & employee benefits, SGA4.71
Restructuring, Accretion & impairment charges0.00
Depreciation & Amortization8.06
Communications, Occupancy and Information Technology40.60
Professional Fees6.26
Other Noninterest Expense25.84
Other loss /-income200.01
Total Operating Expenses285.47
Total Costs & Expenses343.98
Income & Taxes
Income /-loss before income taxes127.78
Income taxes expenses/-benefit24.91
Income after income taxes102.87
Net income/-loss of other equity0.00
Income /-loss after income taxes102.87
Net Income/-loss102.87
Income/-loss to shareholder102.87
Earnings Per Share
Basic EPS (excl. extra items)1.99
Basic Net EPS1.99
Basic shares outstanding (Mill. of Units)51.76
Diluted Net EPS1.99
Diluted average shares (Mill. of Units)51.81
Dividend per share0.57
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About Stellar Bancorp Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

  • Source: SEC 10-K filings
  • Filed with the SEC: February 26, 2026
  • Original filing: stel-20251231.htm

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.