Short answer
Stellar Bancorp, Inc. (STEL) filed its Q1 2026 10-Q quarterly report on Apr 28, 2026 for the quarter ended Mar 31, 2026. Quarterly revenue was $2M (up 3.2% year over year) with net income of $27M.
Q1 2026 key financials · XBRL
- Revenue
- $2M
- +3.2% YoY
- Net income
- $27M
- +9.2% YoY
- EPS (diluted)
- $0.53
- +15.2% YoY
Source: XBRL data from the Stellar Bancorp, Inc. (STEL) Q1 2026 10-Q on SEC EDGAR. USD.
Stellar Bancorp, Inc. Q1 2026 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue proxy net interest income $105.9M, up 6.7% from $99.3M YoY
- Net income $27.0M vs $24.7M; annualized ROA 0.98% vs 0.94% YoY
- Net interest margin 4.24% vs 4.20%; efficiency ratio 63.27% vs 61.93%
- Securities strongest contributor, average balance $2.15B vs $1.82B YoY
- Interest expense $39.2M, down 9.1% from $43.1M; merger expected July 1, 2026
Risk Factors
- Risk-factors section not provided; no quarter-specific risk changes identifiable
- Merger risk triggered by January 27, 2026 Agreement and Plan of Merger with Prosperity Bancshares
- Regulatory execution risk from merger-related Voting and Director Support Agreements
- Capital allocation risk from $65 million repurchase authorization through May 31, 2026
- Liquidity risk from 134 thousand shares repurchased during first quarter at $31.06 average price
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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