Stellar Bancorp Inc. reported net income of USD 26.1 million for the fourth quarter (Q4) of 2025 and USD 102.9 million for the full year (FY) 2025. Diluted earnings per share were USD 0.51 for Q4 2025 and USD 1.99 for FY 2025. Net interest income reached USD 103.4 million for Q4 2025. The tax equivalent net interest margin, excluding purchase accounting adjustments, was 4.06 percent in Q4 2025. Provision for income taxes totaled USD 5.5 million for Q4 2025 and USD 24.9 million for FY 2025. Total cash and cash equivalents stood at USD 419.5 million as of December 31, 2025.
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