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Stellar Bancorp
Stellar Bancorp (STEL) investor relations material
Stellar Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Reported net income of $26.1 million ($0.51 diluted EPS) for Q4 2025 and $102.9 million ($1.99 diluted EPS) for full year 2025, with annualized ROAA of 0.97% and ROAE of 6.34% for the year.
Book value per share rose to $32.78 at year-end, and tangible book value per share increased to $21.62.
Repurchased 299,347 shares in Q4 2025 and redeemed $30 million of subordinated debt.
Entered into a merger agreement with Prosperity Bancshares, Inc., leading to the cancellation of the Q4 earnings call.
Financial highlights
Net interest income for Q4 2025 was $103.4 million, up 2.7% sequentially; full year 2025 net interest income was $401.6 million, down 1.6% year-over-year.
Tax equivalent net interest margin (excluding PAA) was 4.06% for Q4 2025, up from 4.00% in Q3 2025; full year 2025 margin was 3.99%, up from 3.89% in 2024.
Noninterest income for 2025 was $21.8 million, down 5.4% year-over-year, mainly due to losses on foreclosed assets.
Noninterest expense for 2025 decreased 1.2% to $285.5 million, driven by lower professional fees, amortization of intangibles, and regulatory assessments.
Efficiency ratio for 2025 was 62.28%, up from 61.53% in 2024.
Outlook and guidance
Forward-looking statements highlight risks from interest rate changes, asset quality, credit risk, and regulatory actions, especially in light of the pending merger.
Reason for conference call cancellation
Drivers of increased nonperforming assets in 2025?
Core NIM trend excluding PAA for 2025 vs 2024
Partial view of Summaries dataset, powered by Quartr API
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Next Stellar Bancorp earnings date
Q1 202624 Apr, 2026
Stellar Bancorp
Next Stellar Bancorp earnings date
Q1 202624 Apr, 2026
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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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