Stellar Bancorp Q2 net income $26.4M ($0.51 EPS); net interest margin 4.18%, nonperforming assets down

Stellar Bancorp, Inc.

2025-Q2 EPS reported $0.97 revenue$3,145,000

Net income $26.4M ($0.51 diluted EPS) vs Q1 $24.7M ($0.46); annualized ROAA 1.01%, ROTCE 12.16%.
Net interest margin (tax-equivalent) 4.18%; NII $98.3M, down 0.9% QoQ with $5.3M purchase accounting accretion.
Total deposits up $110.9M QoQ to $8.67B; loans up $4.2M to $7.29B; core deposit growth funded asset increase.
Nonperforming assets $58.2M (0.55% of assets) vs $59.7M (0.57%); net charge-offs $206K or 0.01% annualized.
Repurchased 791K shares at weighted avg $26.08; book value per share $31.20, tangible book $19.94.

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