Stellar Bancorp Q3 net income $25.7M ($0.50 EPS); NIM expands to 4.20%, deposits grow $144M

Stellar Bancorp, Inc.

2025-Q3 EPS reported $1.47 revenue$4,690,000

Net income $25.7M, diluted EPS $0.50 vs $26.4M ($0.51) in Q2 2025.
Net interest margin (tax-equivalent) 4.20%, up 2 bps QoQ; excluding PAA, NIM 4.00%.
Deposits increased $143.8M to $8.82B; loans decreased $119.5M to $7.17B.
On Oct 1, 2025, redeemed $30M of subordinated debt (half of outstanding $60M).
Noninterest expense rose to $73.1M (up $3.1M); efficiency ratio 63.69% vs 61.87%.

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