Stellar Bancorp Q4 net income $27.8M ($0.52 EPS); NIM expands to 4.25%

Stellar Bancorp, Inc.

2024-FY EPS reported $2.15 revenue$6,430,000

Net income $27.8M ($0.52 diluted EPS) for Q4 2024; full-year net income $117.6M ($2.20 EPS).
Tax-equivalent net interest margin 4.25%, up 6 bps from Q3; core NIM (ex-PAA) 3.94%.
Total deposits grew $385.8M to $9.13B; loans decreased $111.3M to $7.44B.
Nonperforming assets $38.9M (0.36% of assets) vs $35.1M (0.33%) at Q3-end; net charge-offs $2.0M (0.11% annualized).
Total risk-based capital ratio improved to 16.06% from 14.02% a year ago; tangible book value per share $19.10.

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