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Stellar Bancorp STEL Noninterest-bearing deposits

Noninterest-bearing deposits at other companies

Prosperity Bancshares logo
Prosperity BancsharesPB
$261.72M+314%
Enterprise Financial Services logo
Enterprise Financial ServicesEFSC
-$45.74M+77.0%

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%

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:NetChangeNoninterestBearingDepositsDomestic.

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 -$197.29M in Q1 2026.
How has Stellar Bancorp's noninterest-bearing deposits changed year-over-year?
Stellar Bancorp's noninterest-bearing deposits increased by 46.8% year-over-year, from -$370.59M to -$197.29M.
What is the long-term trend for Stellar Bancorp's noninterest-bearing deposits?
Over 2 years (2022 to 2024), Stellar Bancorp's noninterest-bearing deposits has grown at a -63.7% compound annual growth rate (CAGR), from $222.75M to $29.39M.
What does noninterest-bearing deposits mean?
This metric represents the net change in customer deposit balances that do not pay interest to the account holder. It serves as a key indicator of a bank's ability to attract and retain low-cost core funding, which is essential for maintaining net interest margin. A decline in these balances often reflects shifts in customer liquidity preferences or competitive pressures in the banking market.