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Investor Relations14 Oct 2025
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Stellar Bancorp (STEL) investor relations material
Stellar Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income for Q2 2025 was $26.4M ($0.51 per diluted share), up from $24.7M in Q1 but down from $29.8M year-over-year, with annualized ROAA of 1.01% and ROAE of 6.62%.
Loan originations nearly doubled sequentially, reaching the highest level since 2022, signaling a return to organic growth.
Maintained strong core earnings and capital position, with a total capital ratio of 15.98%.
Repurchased 791,000 shares at an average price of $26.08 per share during Q2 2025.
Efficiency ratio for Q2 2025 was 61.87%, slightly higher year-over-year, reflecting increased resource utilization.
Financial highlights
Net interest income for Q2 2025 was $98.3M, down 0.9% sequentially and 3.0% year-over-year; net interest margin (tax equivalent) was 4.18%.
Noninterest income rose to $5.8M, mainly due to Federal Reserve Bank dividends.
Noninterest expense remained flat at ~$70M, reflecting disciplined cost control.
Book value per share increased to $31.20 and tangible book value per share to $19.94 at June 30, 2025.
Allowance for credit losses on loans was $83.2M (1.14% of loans), up from $81.1M at year-end.
Outlook and guidance
Management expects continued loan and deposit growth, supported by a strong pipeline, new hires, and economic tailwinds in Texas.
Funding costs are expected to remain stable or improve, with a focus on core deposits and measured pricing.
Expense management will remain tight, with flexibility to invest opportunistically in talent and growth.
Margin improvement is anticipated if wholesale funding usage decreases and as the yield curve normalizes with potential Fed rate cuts.
Liquidity remains strong, with contingent funding sources at 66.7% of total deposits.
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Next Stellar Bancorp earnings date
Q3 202524 Oct, 2025
Next Stellar Bancorp earnings date
Q3 202524 Oct, 2025
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Frequently asked questions
Stellar Bancorp, Inc. is a bank holding company headquartered in Houston, Texas. Stellar’s principal banking subsidiary, created by the merger of Allegiance Bank and CommunityBank of Texas, N.A. provides a diversified range of commercial banking services primarily to small- to medium-sized businesses and individual customers across the Houston, Dallas, Beaumont and surrounding communities in Texas. Stellar Bancorp, Inc. was created as a result from the
Allegiance Bancshares, Inc. and CBTX, Inc. combination in 2022.
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