Short answer
Stellar Bancorp, Inc. (STEL) filed its Q3 2025 10-Q quarterly report on Oct 24, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $2M (down 3.1% year over year) with net income of $26M.
Q3 2025 key financials · XBRL
- Revenue
- $2M
- −3.1% YoY · −1.0% QoQ
- Net income
- $26M
- −24.3% YoY · −2.6% QoQ
- EPS (diluted)
- $0.50
- −21.9% YoY · −2.0% QoQ
Source: XBRL data from the Stellar Bancorp, Inc. (STEL) Q3 2025 10-Q on SEC EDGAR. USD.
Stellar Bancorp, Inc. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
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
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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