Stellar Bancorp Q1 2025 net income $24.7M ($0.46 EPS); NIM 4.20%

Stellar Bancorp, Inc.

2025-Q1 EPS reported $0.46 revenue$1,584,000

Net income $24.7M, down from $25.2M in Q4; diluted EPS $0.46 vs $0.47.
Net interest margin 4.20% (tax-equivalent) vs 4.25% Q4; ex-PAA 3.97% vs 3.94%.
Nonperforming assets rose to $59.7M (0.57% of assets) from $38.9M (0.36%).
Provision for credit losses $3.6M, up from $942K; allowance ratio 1.15% vs 1.09%.
Repurchased 1.4M shares in Q1; new $65M buyback program authorized through May 2026.

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