Every 10-Q that Stellar Bancorp, Inc. (STEL) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow STEL and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full STEL filings page.
Stellar Bancorp, Inc. reported solid first‑quarter results, with net income of $26.9 million for the three months ended March 31, 2026, up from $24.7 million a year earlier. Diluted earnings per share were $0.53, compared with $0.46, as higher net interest income offset modestly lower noninterest income.
Total assets reached $10.89 billion, loans held for investment were $7.59 billion, and deposits were $8.98 billion. Net interest income rose to $105.9 million while interest expense declined year over year. Credit quality remained controlled, with an allowance for credit losses of $85.4 million and nonaccrual loans of $60.6 million. Capital ratios stayed strong, with consolidated Common Equity Tier 1 capital at 13.97%. The company also highlighted its pending cash‑and‑stock merger with Prosperity Bancshares, which has received required regulatory approvals and is pending shareholder approval.
Stellar Bancorp, Inc. (STEL) reported Q3 2025 results showing steady core banking performance with lower year-over-year earnings. Net income was $25.7 million versus $33.9 million a year ago, and diluted EPS was $0.50. Net interest income was $100.6 million, roughly flat from $101.5 million, as lower interest expense helped offset softer loan yields.
Total assets were $10.63 billion at September 30, 2025, compared with $10.91 billion at year-end. Loans, net, were $7.09 billion (down from $7.36 billion at December 31, 2024) and total deposits were $8.82 billion (down from $9.13 billion), with a shift toward interest-bearing categories. Securities available for sale rose to $1.84 billion. The allowance for credit losses on loans was $78.9 million.
Operating costs were controlled, with total noninterest expense at $73.1 million in Q3. Accumulated other comprehensive loss improved to $(77.9) million, reflecting favorable marks. Year-to-date, the company paid $0.42 per share in dividends and repurchased shares, ending the quarter with 51,228,156 shares outstanding; as of October 22, 2025, shares outstanding were 51,187,494.