Call reports 2025
STELLAR BANK — 2025
What STELLAR BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 10,432,888,000 | 10,492,328,000 | 10,626,532,000 | 10,792,468,000 |
| Total loans | 7,283,133,000 | 7,287,347,000 | 7,167,857,000 | 7,300,591,000 |
| Allowance for loan losses | 83,746,000 | 83,165,000 | 78,924,000 | 83,629,000 |
| Securities available for sale | 1,718,230,000 | 1,728,530,000 | 1,841,094,000 | 2,197,271,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,603,944,000 | 8,722,009,000 | 8,887,135,000 | 9,073,259,000 |
| Interest-bearing deposits | 5,357,094,000 | 5,489,921,000 | 5,606,515,000 | 5,613,601,000 |
| Noninterest-bearing deposits | 3,246,850,000 | 3,232,088,000 | 3,280,620,000 | 3,459,658,000 |
| Equity capital | 1,620,866,000 | 1,611,658,000 | 1,638,076,000 | 1,636,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 142,307,000 | 284,998,000 | 430,401,000 | 574,432,000 |
| Interest expense | 41,616,000 | 84,577,000 | 127,926,000 | 167,783,000 |
| Net interest income | 100,691,000 | 200,421,000 | 302,475,000 | 406,649,000 |
| Noninterest income | 5,485,000 | 11,266,000 | 16,235,000 | 21,732,000 |
| Noninterest expense | 68,176,000 | 135,777,000 | 206,935,000 | 276,482,000 |
| Provision for loan losses | 2,851,000 | 2,476,000 | 1,558,000 | 6,334,000 |
| Pretax income | 34,383,000 | 71,205,000 | 106,776,000 | 141,774,000 |
| Income tax | 6,980,000 | 14,456,000 | 21,681,000 | 27,849,000 |
| Net income | 27,403,000 | 56,749,000 | 85,095,000 | 113,925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,138,930,000 | 1,143,816,000 | 1,142,701,000 | 1,141,442,000 |
| Total capital | 1,235,338,000 | 1,241,350,000 | 1,237,250,000 | 1,241,008,000 |
| Risk-weighted assets | 8,020,633,000 | 8,067,096,000 | 8,009,979,000 | 8,255,658,000 |