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Stellar Bancorp STEL Noninterest-bearing deposits

Noninterest-bearing deposits at other companies

Cullen/Frost Bankers logo
Cullen/Frost BankersCFR
$14.17B-0.5%
Prosperity Bancshares logo
Prosperity BancsharesPB
$10.58B+9.4%
Texas Capital Bancshares logo
Texas Capital BancsharesTCBI
$7.63B-3.0%
Center Bancorp logo
Center BancorpCNOB
$2.39B+81.5%
Stock Yards Bancorp logo
Stock Yards BancorpSYBT
$1.46B-2.9%
JPMorgan Chase logo
JPMorgan ChaseJPM

Other financials

Income statement

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Revenue$111.0M+6.0%
Net income$27.0M+9.2%
EPS (diluted)$0.53+15.2%

Balance sheet

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Cash & equivalents$549.6M-2.0%
Total debt$15.5M-11.1%
Total equity$1.7B+3.5%
Total assets$10.9B+4.4%

Cash flow

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Operating cash flow$16.5M+391%
CapEx$268.0K-65.2%
Free cash flow$16.2M+352%

Valuation

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Market cap$1.98B+26.9%
Enterprise value$1.45B+43.8%
P/E18.8×+5.1×
P/S4.6×+1.0×

Profitability

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Net margin24.5%-2.1pp
FCF margin26.8%+5.5pp

Returns & leverage

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Return on equity6.4%-0.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Stellar Bancorp in its filing.

Tagged under the XBRL concept us-gaap:NoninterestBearingDepositLiabilities.

The official record: Stellar Bancorp’s 10-Q, filed April 28, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Stellar Bancorp's noninterest-bearing deposits?
Stellar Bancorp (STEL) reported noninterest-bearing deposits of $3.21B in Q1 2026.
How has Stellar Bancorp's noninterest-bearing deposits changed year-over-year?
Stellar Bancorp's noninterest-bearing deposits increased by 0.2% year-over-year, from $3.21B to $3.21B.
What is the long-term trend for Stellar Bancorp's noninterest-bearing deposits?
Over 5 years (2020 to 2025), Stellar Bancorp's noninterest-bearing deposits has grown at a 18.2% compound annual growth rate (CAGR), from $1.48B to $3.41B.
What does noninterest-bearing deposits mean?
Noninterest-bearing deposits consist of demand deposit accounts that do not pay interest to the customer, such as standard checking accounts. These deposits are a critical source of low-cost funding for the bank, directly impacting the net interest margin. A higher proportion of these deposits generally indicates strong customer loyalty and operational efficiency in funding.