Stellar Bancorp, Inc. Income Statement

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated statements of income

In millions of USD, except per-share amounts

	FY2025 12 months to Dec 31, 2025	FY2024 12 months to Dec 31, 2024	FY2023 12 months to Dec 31, 2023	FY2022 12 months to Dec 31, 2022	FY2021 12 months to Dec 31, 2021
INTEREST INCOME:
Loans, including fees
Securities
Interest-bearing deposits at other financial institutions
Equity investments

Securities:
Taxable
Tax-exempt
Deposits in other financial institutions
Total interest income
INTEREST EXPENSE:
Deposits
Federal Home Loan Bank advances
Other interest-bearing liabilities
Demand, money market and savings deposits
Certificates and other time deposits
Borrowed funds
Subordinated debt
Total interest expense

NET INTEREST INCOME
Provision (recapture) for credit losses for loans
Provision (recapture) for credit losses for unfunded commitments
Total provision (recapture) for credit losses
Provision for (reversal of) credit losses
Net interest income after provision for credit losses
NONINTEREST INCOME:
Revenue from Contract with Customer, Excluding Assessed Tax
Deposit account service charges
Card interchange fees
Other.
Revenue Not from Contract with Customer, Excluding Interest Income
Earnings on bank-owned life insurance
Net gain on sales of assets
Service charges on deposit accounts
Deposit Account, Nonsufficient Funds Fee
Nonsufficient funds fees and overdraft charges
Service charges on deposit accounts
Total service charges on deposit accounts

Gain (loss) on sale of assets
(Loss) gain on sale/write-down of assets
Bank-owned life insurance income
Debit card and interchange income
Other
Total noninterest income

NONINTEREST EXPENSE:
Salaries and employee benefits
Net occupancy and equipment
Depreciation
Data processing and software amortization
Regulatory fees
Professional fees
Regulatory assessments and FDIC insurance
Amortization of intangibles
Other expenses
Communications
Security and protection expense
Advertising
Other real estate expense
Acquisition and merger-related expenses
Other
Total noninterest expense

INCOME BEFORE INCOME TAXES
Provision for income taxes
NET INCOME
EARNINGS PER SHARE:
Basic (in dollars per share)
Diluted (in dollars per share)
DIVIDENDS PER SHARE (in dollars per share)

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