Stellar Bancorp, Inc. (STEL) Q3 2025 10-Q Quarterly Report
Stellar Bancorp, Inc. (STEL) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Oct 24, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
Stellar Bancorp, Inc. Q3 2025 10-Q Analysis
Risk Factors
- • Newly added risk: disruptions from recent U.S. bank failures affecting economic and banking system stability
- • Most materially updated risk: increased provision for credit losses up $8.8 million YOY due to deteriorating loan portfolio quality
- • Regulatory risk: heightened deposit insurance assessments risk from FDIC, Federal Reserve, Texas Department of Banking actions on uninsured deposits
- • Operational risk: elevated cyber incident costs and vendor failure risks impacting system security and continuity
- • Financial risk: loan portfolio concentration in commercial real estate/commercial construction increases credit loss vulnerability amid economic uncertainties
Stellar Bancorp, Inc. Q3 2025 Quarterly FinancialsXBRL
Revenue
$2M
▼ -3.1% YoY▼ -1.0% QoQ
Net Income
$26M
▼ -24.3% YoY▼ -2.6% QoQ
Net Margin
1661.5%
▼ -46467bp YoY▼ -2666bp QoQ
ROE
1.6%
Total Assets
$10.6B
EPS (Diluted)
$0.50
▼ -21.9% YoY▼ -2.0% QoQ
Operating Cash Flow
$64M
▲ +6.9% YoY▲ +147.0% QoQ
Source: XBRL data from Stellar Bancorp, Inc. Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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